I think is d because i took the test 
        
                    
             
        
        
        
Bank services : This is because we are all meant to manage our belongings, without banks, the stability of our wealth will be less as thieves will have a free open market
        
             
        
        
        
I believe it is D. To protect peoples health. Without the warning label we could ingest poison or things we are allergic to.
        
                    
             
        
        
        
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A. present participle as it ends in -ing