Problem: How does the next paragraph end?

How to negotiate with creditors
Create a budget before you determine what you are able to pay your creditors.
You need to be able to pay your current bills to avoid acquiring more debt. Start by recording and adding up all of your expenditures for a month.

OPTIONS:
- Once you have an estimate, you can cut out about half of your expenses. Consider creating a calendar of to-do lists-both for yourself and the creditor to see.
- This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.
- Once you've made all your monthly expenses, go back to the company's planning of purchases, including these expenses. Having several drafts with you before you try to negotiate may help focus on finding a payment program that will help you pay your creditors.
- After half a month, request a savings account, credit card, or other credit for your cash purchases. Even small expenses cannot get away from you if you are willing to pay off a large financial cushion for emergencies.
A: This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.

Problem: How does the next paragraph end?

How to deal with a new school year
Take a deep breath.
Calm down and just face the facts coolly.
Accept that summer's over.

OPTIONS:
- Sure, you had some great times over the summer, and no one wants those days to go away. But remember: you've always got next summer, too.
- This will probably be the worst summer of your life right now. Nothing will help you survive the summer if you don't take a moment to think about what you are going to be doing this year.
- Make arrangements to catch a ride home from school or to drop off your homework from your teacher. Go home the day after school if possible, if you can.
- During the first year it might make you feel lonely and think it's all for the best, but during the second year you'll be dealing with a better attitude. Making a list of everything you plan to do that week is one of the best ways to commemorate the end of summer.
A: Sure, you had some great times over the summer, and no one wants those days to go away. But remember: you've always got next summer, too.

Problem: How does the next paragraph end?

How to be a probation officer
Get your bachelor's degree.
The educational requirements to be a probation officer will vary by region or agency. However, a bachelor's or master's degree in criminal justice, social work or psychology is usually required.

OPTIONS:
- Plan to be a licensed prosecutor for about 180 hours a year, even after you graduate school. Get a bachelor's degree from a college or university first, in order to become a probation officer.
- You may also go into law school if you have school credits or enter a master's degree. Apply for a computer program or a reputable rehabilitation program.
- Some lawyers require a bachelor's degree in subject matter, while others require an equivalent degree in alternative industries. If you are unsure of what you want to pursue, consult an attorney.
- Some agencies may accept work experience in correction, parole services or court services in lieu of education. A master's degree is required for rising up the corporate ladder or for working at the federal level.
A: Some agencies may accept work experience in correction, parole services or court services in lieu of education. A master's degree is required for rising up the corporate ladder or for working at the federal level.

Problem: How does the next paragraph end?

The opening screen is on gardening. a woman

OPTIONS:
- uses a rake to trim a large green hedge.
- is explaining how to do a garden.
- cleanses the garden with water.
- is showing a large bush and the gardening tools used to get the plant together.
A:
is explaining how to do a garden.