In three to four sentences, explain the effects of lower interest rates on consumption and investments.

the secretary of state, appointed by the president with the advice and consent of the senate, is the president's chief foreign affairs adviser. the secretary carries out the president's foreign policies through the state department and the foreign service of the united states.

based on the modoc myth, the two cultural characteristic that one can learn from it is the turtle by which it shows its respect for animals and a way of showing power of determination whereas grizzly shows the importance of having to be able to listen to parents as they show respect to their grizzlies.