Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the option that best fits each of the numbered...

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 18 to 22.

Navigating the modern financial landscape is a challenge that many young adults are ill-prepared to face. Teenagers today are bombarded with credit card offers and "buy now, pay later" schemes, (18) ________. The consequences of financial ignorance are severe. A young person without a solid understanding of interest rates (19) ________ before they even secure their first full-time job. This cycle of debt is difficult to break without early intervention. (20) ________. Educators and parents are realizing that teaching algebra is of little use if a student cannot balance a checkbook or understand a mortgage. Schools are beginning to integrate personal finance into the core curriculum to combat this issue. (21) ________. Ultimately, financial freedom is a skill, not a gift. (22) ________, considering that the ability to manage money is the foundation upon which all other adult responsibilities rest.

(Adapted from The Financial Times)

Question 18.

A. that are designed to exploit their lack of experience and desire for instant gratification

B. each of which is designed to exploit their lack of experience and desire for instant gratification

C. many of which are designed to exploit their lack of experience and desire for instant gratification

D. most of them designed to exploit their lack of experience and desire for instant gratification