Rome managed to overcome it's difficulties with having issues in it's leading structure and the highest chain in command; namely Roman generals at the time wanted glory for themselves which prevented them from beating Carthage for some period together with the fact that Carthage had the incredible general Hannibal. After they consolidated and joined forces together, they were able to beat Carthage after a campaign of war.
To fight
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I believe the answer is a local credit union. Firstly, Carlos owns a small, local business, so using the Fed would be unpractical (by the way I'm sure the Federal Reserve is the wrong answer because I took the test and it said so). Wall Street is a symbol for the U.S. financial markets, not an actual corporation that he could use to raise money; its figurative. Using the stock market would mean that Carlos would have to sell some ownership of his business so he can make money. In summary, your best answer is C. Local Credit Union.
If you want my honest opinion i believe that 2 & 4 are the correct answers.