Teypes of computer technology

Michael has written an e-mail to his employees that describes a new product special that will be introduced to the customers next week. by taking time to make sure the e-mail is well written, logical, and organized, michael has made sure his message has the characteristics of a) effective communicationb) ineffective communicationc) barriers to communicationd) workplace communication

Which is a possible benefit of having a good credit history? having a checking account low interest rate on a car loan high interest rate on a credit card offer bankruptcy

In simple terms, how would you define a protocol?