Answer:
D) They offer lower interest rates for borrowers.
Explanation:
due to lower interest rate on loan, credit union have a major advantage for borrowers. They dont have to pay anything to shareholder and due to this advantage of credit union of non-profit feature, they forward the surplus funds to the respective customers on having deposited accounts.
The EU is a political and economic union of 28 countries, which developed an internal single market through a standardised system of laws. Politically, these 28 countries are linked by the European Parliament, the European Commission, the Council of Europe and the European Council (the last two have similar names, but they have different functionalities). Economically, by the ECB - the European Central Bank. Monetarily, by the Eurozone and the currency EURO, which is present in 19/28 countries. Also, there's a Schengen area, where passports are abolished and you can travel freely, BUT not all the countries that are in the EU, are in Schengen area (ex. Romania, Bulgaria); and vice-versa: Norway is not in the EU, but is part of the Schengen area.
I hope I helped, I used to have a "map" of interactions of all these countries in different unions/institutions, but cannot find it. If you need one to help you understand the EU better, tell me and I'll intensively look for it!
Update: here's the map.
Answer:
C. There are weak internal controls.
Explanation:
C. There are weak internal controls.
Relating to opportunities, most people commit fraud because there are weak internal control. Any organization with weak internal checks and control is more vulnarable to fraud than with strong internal control. To deter this opportunity we need to divide the responsibility. It will cause difficulty to commit the fraud.
The Articles of Confederation failed because they did not give Congress and the national government enough power. The new U.S just fought a war to end what they considered arbitrary rules of a strong government that controlled the local government and the leaders of the U.S. They did not give the Central government the power it needed to rule effectively.
It did not give the Congress the power to tax, to draft troops, to place tariffs on foreign goods, to control interstate commerce or stop states from printing their own money, and the list can go on.