Isthmus I think is what I remember from school
Answer:
The financial crisis is the breakdown of trust that occurred between banks the year before the 2008 financial crisis. It was caused by the subprime mortgage crisis, which itself was caused by the unregulated use of derivatives. The major causes of the initial subprime mortgage crisis and following recession include international trade imbalances and lax lending standards contributing to high levels of developed country household debt and real-estate bubbles that have since burst; U.S. government housing policies; and limited regulation of non-depository financial institutions.
Explanation:
Hope this helps.
Ramona's behavior reflects diffusion of responsibility.
This term refers to the fact that individuals are less likely to do something and offer somebody help if they are located in large crowds. If they are surrounded by other people who are also not doing anything to help, these individuals are unlikely to do something about the problem either because they are hoping someone else will do it for them.
Answer:
Scrooge awakes at midnight, which leaves him baffled--it was well after two a.m. when he went to bed. Initially, he thinks he has slept through an entire day or that it's actually noon and the sun has merely gone under some sort of cover. He suddenly remembers the words of Marley's ghost. The first of the three spirits will arrive at one o'clock. Frightened, Scrooge decides to wait for his supernatural visitor.
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