: Unable to pay one's debts and freed by law from doing so. Brief : Short; not long-lasting. Brisk : Quick and active; marked by liveliness and vigor. Budget : A plan for spending money during a certain period. Compete : To try to win against others. Complicate : To make difficult. Effect : To make happen. Err : To be wrong or to do something wrong. Factor : Something that contributes to a result. Fond : Having a strong preference or liking for. Grip : To hold tightly.

| Method | Legality | Accuracy | Cost | | :--- | :--- | :--- | :--- | | Purchase 4th Ed. Answer Key (ISBN 9780838877294) | Legal | High | ~$10-15 | | Free teacher preview on EPS website | Legal (limited) | High | Free | | Quizlet user-created answers | Gray area | Medium | Free | | Random PDF download | Often illegal | Low/Outdated | Free (risky) |