var killers = new Array(
"What is a credit card?$$ A loan that has to be paid off every month.%% An arrangement by which you can buy something now, with the promise that you will pay for it in the future. ^^ A money substitute for items you cannot afford. && All of the above.",
"What are the advantages of having a credit card?$$ It takes all the worry out of buying things because you know the money will be there when you need it. %% You don't have to carry cash or write checks.^^ It doesn't cost anything to use it. && All of the above.",
"Why is it important to have good credit? $$ To get a job.%% To buy a car and get auto insurance.^^ To rent an apartment or buy a house.&& All of the above.",
"What do lenders look for before they lend you money?$$ What kind of grades you earn.%% Whether or not you pay your bills on time (your credit history).^^ Your intended date of graduation.&& All of the above.",
"How can you build a good credit history?$$ Only use your credit card when you know you can afford to use it.%% Establish other forms of credit—like a checking account, debit card and car payments—that can help demonstrate that you are responsible.^^ Be reliable, stay within your affordable budget.&& All of the above.",
"How can you maintain good credit?$$ Pay at least the minimum payments of all your bills on time.%% Ask your parents to pay your bills for you.^^ Use all your available credit on all accounts.&& All of the above.",
"What is a credit report?$$ A record of every purchase you've ever made with your credit card.%% A report indicating how many times you've applied for credit and been accepted or turned down.^^ A record of how well you pay back your creditors and whether you pay your bills on time.&& All of the above.",
"What is an acceptable percentage of your income to spend on credit card bills?$$ 0%—20%. %% 21%—40%.^^ 41%—60%.&& 61%—80%.",
"Which of the following may request your credit report from a credit bureau?$$ Insurance companies. %% Your employer.^^ Your landlord.&& All of the above.",
"What should you do if you're having trouble paying your credit card bills?$$ Borrow money from friends or your parents.%% Use another credit card to pay them off.^^ Speak with a family member, friend, or other advisor, and work with your creditors to determine how you can best repay your obligations.&& All of the above."
);

var answers = new Array('B','B','D','B','D','A','C','A','D','C');