Help with 12 and 13 please

Describe the cultural component "innovation." give two examples. give an example of the cultural component "cultural universals."

This refers to weather and atmospheric conditions measured over a long period of time.

Banks offer services such as checking and savings accounts. what do banks do with most of the money they receive in deposits from customers? a) they loan it out to other customers. b) they spend it on new banks in other places. c) they keep it in a locked, secured vault in the bank. d) they send it to the federal reserve in washington, d.c.