please answer all questions

Question 52 (1 point) The first step in the budgeting process is O decision making. O setting financial goals. O organizing O evaluating. Question 55 (1 point) A flexible spending account (FSA) is O funded by an employer. a vehicle that allows employee-paid expenses for medical or dependent care to be paid with pretax dollars. available through all employers. taxable income received by the employee if not used by the end of the year. Question 72 (1 point) Deposits in credit unions with federal charters are insured through the FDIC. True False Question 75 (1 point) Real estate agents are usually paid by the seller. True False Question 77 (1 point) When a loan is paid off over a longer period of time, the total interest costs are reduced. True False Question 79 (1 point) The best way to ensure that you "beat the market" is to invest in "hot/high risk" mutual funds. True False