Questions

When atoms react they do so in order to reach the lowest energy, which is the most stable. The electrons orbitals will overlap in the way that reduces the energy the most. Orbitals of similar energy will produce the greatest stabilisation.The answer you gave isn't the whole story, it depends what species is reacting with what. The effective nuclear charge on the atom will affect the energy of the valance electrons.

Hence, the reactivity of an atom arises from the existence of unpaired electrons in the valence shell.

Hybridisation of Ni is e-  

Unpaired 3d8in  is 2 

So $$\begin{gathered} Ω = n(n+2)BM \\ =2x4 = 8 = 2.82BM \end{gathered}$$

M.F.Hussain

The order of basicity in ammonia is different in gaseous phases vs. aqueous phases due to hydrogen bonding.

So in gaseous phases it's the well known: 3' > 2' > 1'> NH3. Just so we're on the same page, this is due to the inductive effect of electron donating alkyl groups--they destabilize the lone pair on nitrogen atom, making nitrogen more basic.

But in aqueous phase, the order is slightly different: 2'> 1'> 3' > NH3.

If as a business, you buy goods or services on credit from a supplier (accounts payable) then the supplier will supply the goods and business will incur a liability to the supplier for that amount, but no cash will change hands at that stage.

Some of those shop keepers allowed regular "trustworthy" customers to purchase items without having the full payment.

Hence, Buying on credit means that no actual money has changed hands.