A formal amendment a. Changes the Constitution by passing laws.
b. Changes the written language of the Constitution itself.
c. Allows states to secede from the United States.
d. None of the above

Acertificate of deposit usually pays you more interest because you need a larger amount of money to open it and a the money in a cd is the banks money not yours. b the money in a cd cannot be withdrawn until a future date. c the money in a cd is considered a loan. d the money in a cd is digital money.