| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | financial | Western countries | It is common for individuals to have multiple credit cards and to use them for large purchases or emergencies. | 1 |
| 2 | financial recordkeeping software | Western countries | Commonly used for personal and business financial transactions, tax preparation, and budgeting. | 1 |
| 3 | financial records | Western countries | Maintaining detailed financial records for tax purposes is a common practice. | 1 |