An annual percentage rate, or APR, represents how much interest is paid over a year.
interest is paid over many years.
principal is paid over a year
principal is paid over many years.

How does the principle of federalism affect the u. s. government? a. it guarantees that the united states will always be a representative democracy b. it ensures that the state governments have greater authority that the federal government c. it creates both separate and overlapping powers for the federal and state governments d. it divides the federal and state governments into three branches