4. When a criminal defendant gives up a statutory right for his/her benefit, such as the right to counsel, he/she ______ the right to counsel. (A) Waives (B) Commits (C) is entitled to (D) is empowered by

10. New technology that seeks to improve and automate the delivery and use of financial services is: (A) PayPal (B) Fintech (C) Hackathon (D) Telethon Part II : Please read the following paragraph and find the best answer to Questions 11 to 15. (3% for each question) Had Americans become litigious, particularly after the Second World War? Some facts and figures show an increase in litigation rates: certain kinds of cases had increased rapidly in the latter half of the last century, while others were in decline. Changes in the law can affect litigation rates and account for the discrepancy. For instance, title insurance and other factors have made cases about land ownership less common. Federal deposit insurance and other measures that stabilize money and banking have all but eliminated whole classes of cases that once clogged the courts. Federal litigation rates have risen dramatically in the course of the century. Civil rights laws give people chances to litigate questions they could not have gone to court with before. However, we should not focus solely on the sheer numbers. The discussion often drowns out voices that express the opposite complaint: the system is too expensive, too formal, and too biased to serve the interests of ordinary people—like (blank), rotten, fishy, and usually only the rich can afford it. This idea spurred the creation of a legal services component in Lyndon Johnson's War on Poverty and fueled the movement for alternative dispute resolution, or ADR.

4. When a criminal defendant gives up a statutory right for his/her benefit, such as the right to counsel, he/she ______ the right to counsel.
(A) Waives
(B) Commits
(C) is entitled to
(D) is empowered by

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4. When a criminal defendant gives up a statutory right for his/her benefit, such as the right to counsel, he/she ______ the right to counsel.(A) Waives(B) Commits(C) is entitled to(D) is empowered by

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4. When a criminal defendant gives up a statutory right for his/her benefit, such as the right to counsel, he/she ______ the right to counsel.
(A) Waives
(B) Commits
(C) is entitled to
(D) is empowered by