Respond to IFSM discussion board 7

They are 2 discussion boards post below. read and Reply to each discussion post 100 words per each response so total 200words.  Responses should demonstrate critical thinking and comprehension of the discussion topic and are strengthened when they are supported by additional research. You are expected to provide supporting details for your response; that support may come from the points covered in the readings and additional external research all source must be cited and listed  (appropriately cited) in APA