The traffic in a highway carpool lane usually moves faster than the traffic in other lanes. For a survey, some drivers were asked how many minutes of driving they saved by using the carpool lane on a usual route. Which of the following factors should not affect the times that are reported? A. the day of the week the drive was taken
B. the time of the drive (such as morning, afternoon, evening)
C. where the drive began and ended
D. the number of people in the car

ratio is 2 : 9

the answer is three

13.5 : 3

5

10

15

20

25

30

35

40

45

50

55

explanation:

the loan estimate encourages consumers to shop. since it is the lenders who are required to issue a standardized loan estimate in a specific time frame, this way consumers are provided an opportunity to compare lenders and their products. otherwise consumer wouldn't know the benefits offered by other lenders.  

if a loan originator does not provide a loan estimate within 3 business days of receiving a completed loan application, that lender is in violation. lenders are required to issue a loan estimate within 3 days of applying for a loan or within 7 days prior to closing. having a loan estimate has following information.

not having loan estimate won't give you an idea of money to be borrowed.

you get to know your interest rates.

you also get to know if your interest rate can or may vary.

not having a good faith estimate can keep you unaware of aforementioned points.