Consumer reports compared the effectiveness of an anti-wrinkle cream with that of a plain moisturizer in reducing the appearance of wrinkles. they enrolled 79 subjects with moderate to marked wrinkles, and instructed them to use both products, one on each side of the face randomly, every morning for 12. the subjects didn't know which products they were using. at the end of the study, panelists examined "before and after" photos of the subjects to assess wrinkle appearance. the panelists did not know which product the subjects had used. which of the following statements is true?

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

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