Excess fertilizer from crops can be picked up by rainwater and carried to bodies of water that allow plants and algae to grow uncontrolled. This can lead to a where nothing can live in the lake or coastal ocean area waters. pathogen

dead zone

zombies

karst topography

your answer is

a.

5

step-by-step explanation:

explanation:

the loan estimate encourages consumers to shop. since it is the lenders who are required to issue a standardized loan estimate in a specific time frame, this way consumers are provided an opportunity to compare lenders and their products. otherwise consumer wouldn't know the benefits offered by other lenders.  

if a loan originator does not provide a loan estimate within 3 business days of receiving a completed loan application, that lender is in violation. lenders are required to issue a loan estimate within 3 days of applying for a loan or within 7 days prior to closing. having a loan estimate has following information.

not having loan estimate won't give you an idea of money to be borrowed.

you get to know your interest rates.

you also get to know if your interest rate can or may vary.

not having a good faith estimate can keep you unaware of aforementioned points.

the distance between the school and her home is 3.6km.

12 mins = 0.2 hours = 1/5 hour

54 ÷ 3 = 18km per hour

1/5 of 18 = 3.6km per 12 mins