The fourth section has figurative language in the form of a simile.
"And the sudden flurries of snowbirds, Like brown leaves whirling by." Using the word like create a comparison, also known as a simile which is a part of figurative language.
Answer:
It protects borrowers' deposits.
Explanation:
I am not entirely sure if this is correct. remove my answer if it is wrong.
Answer:
message---------- the main point or idea
audience---------- who the document is for
tone-------- author's attitude towards the subject
individual---------- author's backround
purpose---------- what an author hopes to accomplish
situation---------- the time place & circumstances