Lauren juliana has been saving and would now like to purchase a boat. she does not have enough to pay cash, so she has contacted a lending institution about purchasing on credit. the lending institution has asked her to begin the loan process by completing a net worth statement.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

answer; /// i believe that the correct answer is ///making it easy to work with the organization;

i do believe its modular luck

explanation:

answer; the correct answer is (direct foreign investment);