I believe that it is the Windward Passage.
I believe that the answer to the question provided above is that Joy must loan in the bank than loaning in the car shop itself, since banks has lower rates.
Hope my answer would be a great help for you. If you have more questions feel free to ask here at Brainly.
D.) countries forcefully take territory from neighbors, this should be correct :)
Answer C they are able to learn new skills and solve problems easily