I don't see a picture. I will gladly help you but i don't know what to help you with ^.^
I would say "The government directly sets the interest rate that banks charge for loans." because the of the federal reserve.
For press releases, this is the thing that consumers dislike! This is when you create something that promotes an idea for a story. While advetising on the other hand, is a product or service you're selling and are using certain techniques towards a specifc audience that would be best fit for your product or service. An example of this is the super soaker by Lonnie G. Johnson. When he made the super soaker, the age range was around 5 - 15, this what you call a audience, which is the consumer the advertiser is trying to convice to buy their product or service they are selling.
<span>This is an example of
"fear appeal".</span>
Fear appeals recommend to the purchaser that he or
she can maintain a strategic distance from some negative understanding and
effect through the buy and utilization of an item or service, an alteration in
conduct, or a diminishment in the utilization of an item or benefit, or the
reception of a thought - for this situation, the idea of the reality of
environmental change.
