3. patty supports a sustainability initiative at her bank to be paperless. each time the bank issues checks or sends out a paper statement, it includes a promotion asking customers to support methods that eliminates paperwork. she encourages customers to use debit cards, smart cards, direct deposit and direct payments, as well as online statement retrieval. all of these tools are used in conjunction with the bank's

the assumption the narrator makes in this excerpt is that the messages he heards were going to hurt the narrator's mom; the narrator just springs in to action. the narrator doesn't specify in this excerpt why he believes that the messages present a problem that requires protection.

forbearance of student loan payments. under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. if you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.