When mary was young, her father was trying to learn how to speak german and would listen to german tapes for hours in her presence. mary paid very little attention to the tapes. many years later, when mary was in germany, she was able to say a few german words in order to make herself understood. this is an example of

Latent learning

Explanation:

In psychology, latent learning can be described as a subconscious learning or gathering information which a person is least interested in. Latent form of learning might not readily be seen or observed by the person until he/she comes up with a scenario where it is required. Hence, it remains a subconscious memory. One of the biggest examples of latent learning is children watching some actions of their parents in childhood and using them when they grow older.

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.

you would times this by how many days there are in a year 365*400=$146000