First of all to answer your question we need to know what Clustered rural settlement is. it is when houses and farms of families are located close to each other and border the settlement. most common Clustered rural settlements were situated in New England
Enron's complex financial statements were confusing to shareholders and analysts. Its complex business model and unethical practices required that the company use limitations to misrepresents earnings and modify the balance sheet to indicate favorable performance. the combination of these issues later resulted to bankruptcy.
I want to say Germany and Ireland