What is the name for a process by which voters
can propose new laws or change existing ones?

The initiative process is the direct power of the voters to enact new or change existing laws. It allows the voters to place proposed legislation on the ballot.

Explanation:

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Initiative

Explanation just type that and you're good to go

answer; (d) none of the above;

the question deals with financial planning and the answer is that dan did not stay on budget due to the fact that this guy needs to start decreasing his discretionary spending. according to the financial plan, he needed to balance his expenses and resources.