45. Which of the following statements is true about crodit reports and credit scores? a. They are created by the government and serve as official identification like a driver's license a passport. b. They are created by privato companies and are used to assoss a person's croditworthiness. c. They are issued by the IRS and track a person's tax history. d. They are used only for employment background checks and have no impact on borrowing. 46. Which of the following is true about dobt? a. All debt is bad and should always be avoided. b. There is no such thing as good debt. c. There is such a thing as good debt, which can help build credit or invest in your future. d. Debt is only good if it is never pald back. 47. What is the best practice regarding unused crodit card accounts and your credit score? a. Always close credit card accounts you don't use to improve your credit score. b. Keeping unused credit cards open hurts your credit score. c. Keeping unused credit cards open can help your credit score by Increasing available credit. d. It doesn't matter whether you keep credit cards open or closed. 48. Does Nevada have a state income tax? a. Yes, Nevada has a high state income tax. b. Yes, but only for residents earning above a certain amount. c. No, Nevada does not have a state Income tax. d. Nevada's income tax applies only to businesses. 49. What type of economy does the United States have? a. A command economy b. A traditional economy c. A mixed-market economy d. A purely socialist economy

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