These excerpts are from a 2011 debate in the U. S. Congress concerning financial reform. One of the provisions of [a proposed bill] that will hinder economic growth and the creation of new jobs is the massive new bureaucracy called the Consumer Financial Protection Bureau, or CFPB. Everyone supports consumer protection, but the CFPB was given virtually unlimited power to dictate the types, terms and prices of financial products and services that consumers and small businesses can obtain from their bank or other credit
provider. . . . The burden of this credit rationing will fall most heavily on lower-income and middle class families, as well as the small businesses that create about 80 percent of all new jobs. Rather than being protected, consumers are likely to be denied the products they want and need.
—U. S. House Committee on Financial Services report, 2011
We have all seen the consequences of a regulatory system in which no single regulator has the authority and the comprehensive tools necessary to ensure that the consumer financial markets work for American families. For years, we have seen the growth of fine print that hides important and complex terms, fine print that makes it almost impossible for consumers to know what they are really getting into when they sign on the dotted line. . . . As a country, we are all paying the price for a consumer credit system that was broken.
—Elizabeth Warren, U. S. Treasury Department, 2011
Which basic assumption behind the committee report is not a basic assumption behind Warren’s statement?

A. Concentrated authority is a threat to freedom.

B. Economies depend on borrowed money.

C. Conflicting authority causes uncertainty.

D. Government oversight is unnecessary.

Q1-which of the following strategies did spain use in an attempt to thwart french claims to the texas territory after 1689? a. establishing a blockade on the texas coastline b. bringing spanish settlers up from mexico into spanish territory c. developing relationships with native american indian nations that would fight the french. d. paying off the french for the claim to texas with silver mined in its southern colonies q2-for which of the following reasons was texas's first petition for statehood in the united states denied? a. the issue of slavery prevented the united states from accepting texas as a state. b. the united states would not admit texas until the new republic was able to pay off its massive war debts. c. the united states knew that most texans did not think of themselves as americans and did not believe it was fitting to admit them. d. the united states did not want to damage relations with a weakened but still powerful mexico. q3-  which of the following brought about the final settlement of the official boundary lines of the state of texas? a. the compromise of 1850 b. the reincorporation of texas at the end of the civil war c. the peace treaty of the mexican-american war d. the 1845 act signed by the president that made texas a state q4-  which of the following was implemented by the texas state “carpetbagger’s constitution” of 1869? a. a repudiation of the state’s war debt b. disfranchisement of african americans who had previously gained the right to vote c. the abolition of slavery d. disfranchisement of whites who had participated in the civil war q5-  according to daniel j. elazar’s political culture classification system for the united states, to what  dominant  political subculture does texas belong? a. traditionalistic b. individualistic c. conservative d. moralistic q6-  school districts are governed by which of the following? a. an appointed board of trustees b. a city-council appointed manager c. an elected superintendent d. an elected board of trustees   q7- which of the following is the primary reason that special purpose districts are created? a. to provide services when no other unit of government exists to provide that service b. to give local residents more control over their affairs c. to take power away from city governments and place it with the county government d. to provide services at a more competitive rate than county or city services can q8-to pass an ordinance, a county government must do which of the following? a. pass it through the commissioner’s court with a majority vote b. get legislative approval c. get approval from the municipal government d. pass it through the commissioner’s court with a unanimous vote q9-which of the following is the primary function of county constables? a. ensuring the smooth running of the commissioner’s court b. serving as prison administrators c. enforcing the law through police actions within county jurisdiction d. serving as court officers for justice of the peace courts q10-which of the following is not true of the county judge’s powers or responsibilities? a. the county judge does not have to be a licensed attorney. b. the county judge is elected to four-year terms. c. the county judge presides over the commissioner’s court but has no vote in its proceedings. d. the constitution assigns judicial duties to the office of the county judge.