How does the federal Reserve define consumer credit?​

Continue to drink or use other drugs and drive but be more careful

3. meena and ala are two friends. meena has a habit of using new pens almostevery day, whereas ala believes in getting a refill for her pen instead of buyinga new pen even though her friends make fun of her.a) which out of two practices would you follow and why? b) which value is ala depicting?

In which system of gonvernment would states function independently of each other?