What I like to think when answering these types of questions is, "Whoa.. Whoa... Whoa.. there author, wait a second I hear you but, how do you know thats THE answer to the problem (conclusion). Sure it could be AN explanation, but is it THE explanation?" As obvious as it sounds I am just trying to be a critic a-hole to the author and be like could it be this or that.

Author: people are rude because they have overdue bills.

Me: Whoa whoa whoa... wait a second I get people are rude but how do you know theyre rude because of the bills? There could be a million reasons that people are rude. They dont like your face... Their spouses make them mad... etc...

Hope that helps.

Hey, I am also interested in joining a group I am taking the test in January.