Sarthaks Test
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What is the real problem, as opposed to being an offshoot of that problem? 

a. Your bank charges a $40 fee for overdrafts. 

b. You wrote a check at the grocery store, but did not have the money to cover it. 

c. Every month, you spend more money than you earn. 

d. Last month, you paid $120 in overdraft charges to your bank.

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c. Every month, you spend more money than you earn.

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