Ttwo accounting questions to be answered

Two accounting questions:

APA format

450 words minimum for both questions combined

One business journal source per question

Why is it likely that in a system of private education (i.e., a system in which individuals pay for their own education without government subsidy) there will be underinvestment in education (consider the social benefits in addition to individual benefits of education)?

Do you think the interest on payday loans is too high or just right? Should Christians charge poor people interest on loans?

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