Alex even though he has his opinion about smoking and addiction will more likely conform if he feels insecure as the new member of the team. This insecurity would make him conform as not to stand out from his new team even though his opinion is valid.
Since Chloe has a history of not paying his previous monthly utility bills, the lender probably deny her line of credit. Chloe cannot further use the services offered by the lender unless she will pay her balance. Non-payment of monthly utility bills is an enough reason that lender will on-hold her account temporarily until she settles her balances.
The Given Description is about the World Leader Nelson Mandela
Option (D) is the Answer