Which individual is most likely making good choices about their lifelong personal finances? *
Thomas uses his credit card to pay bills and makes the minimum payment each
month.
O Monica files for bankruptcy to avoid making monthly payments on her home. .
O James has invested a portion of his paycheck each month to his retirement fund.
Karen cashes in her retirement fund to build the home of her dreams.

Read the excerpt from infinite jest 'my application's not bought," i am telling them, calling into the darkness of the red cave that opens out before closed eyes. 'tam not just a boy who plays tennis. i have an intricate history. experiences and feelings. i'm complex. "read,' i say. 'i study and read. i bet i've read everything you've read. don't think i haven't. i consume libraries. i wear out spines and rom-drives. i do things like get in a taxi and say, "the library, and step on it." my instincts concerning syntax and mechanics are better than your own, i can tell, with due respect. the theme suggested by the excerpt is about a. being understood b. the value of education c. wisdom versus foolishness d. learning responsibility