Are you asking why the man is worried about getting frostbite? because if so, then he was worried because it would delay him.
Answer:
In many parts of Europe, children start learning second languages in elementary school.
Explanation:
Other statements involve specific student learning of foreign languages (business majors) or employment/ niche opportunities, the fact that children in many countries start learning a second language in primary grades demonstrates that such learning is feasible and common among many other countries in contrast to the U.S.
Answer:
When people put their money in the bank to save it other people can borrow that money. As they pay it back you won't loose money and the bank will earn in interest. So as long as people are putting their money into the bank others will be able to borrow when tight on money. This is similar to herd immunity because as long as a greater number are doing it the minority that can't will be protected.
So the answers are swims sos and noon