Heidi decided to make extra money by offering to do investments for her friends for a fee. she actually did no investing, but used the funds from new friends to pay off earlier enrollees. this worked well for a while, but her scheme came to light when her supply of new friends came to an end. she is guilty of which of the following practices?
a. operating a ponzi scheme
b. operating a bait and switch scheme
c. account kiting
d. pretexting
e. defalcation

Adefendant charged with driving while intoxicated pleaded not guilty and insisted on a trial. right before the trial began, he fired his attorney and decided to defend himself. at one point during opening arguments, the defendant began to act like a cat, meowing and chasing an imaginary squirrel out of the courtroom. if no one else raises the issue of the defendant's competency to stand trial, what is the responsibility of the trial judge here? a) the trial judge has no responsibility, because the defendant decided to defend himself. b) the trial judge has no responsibility, because she cannot decide whether the defendant is competent to stand trial. c) the trial judge must raise the issue of competency, because the defendant is representinghimself.d) the trial judge must raise the issue of competency, because the constitution obligates her to do.