Im pretty sure its the Chloroplast.
The answer to 1 and 2 is
fishing using cyanide and dynamite, pollution from sewage and agriculture, massive outbreaks of predatory starfish, invasive species.
Answer
The answer is niche.
Explanation:
The definition of niche in biology is the organism's role in an ecosystem, which can be viewed as a community.
Let say, polled (without horn) parent cattle is dominant (PP) and parent horned cattle is recessive (pp). They cross bred which produced all polled calf F1 generation. F1 will be hybrid for trait horn (Pp). On Selfing of F1 progeny ( Pp x Pp) will give 1 homozygous polled (PP) cattle, 2 heterozygous polled (Pp) cattle and 1 cattle with horn recessive (pp) in F2 generation.
If they have everything planned they surely can borrow money to start a business but they can lose everything between seconds...