The following are helpful in managing your time: A. Avoiding the telephone

B. Studying in a very comfortable place, such as your bed or a sofa

C. waiting time (bus stop, doctor's office, grocery store line) to review study
materials

D. Both a and c are correct

answer: all of the above

identity theft, is stealing other person's identity to commit fraud or other crimes. identities, are stolen through hi tech and low tech methods and all these can result in the consequences mentioned above. because a criminal when has stolen your identity, can get a loan under your name which will increase a debt burden on the victim, it will also make it harder for the victim to get a loan in the future due to poor credit history and as a result may face loss of a job. there will be a loss of money since the criminal can even rent or buy an apartment under your name.