A makes the most sense in this question :)
Your answer is A 
Hope this helped!!
-Alex
        
                    
             
        
        
        
Answer:
Dear {Mr./Mrs. Name}, I am sincerely sorry for the delay in payment on {loan type}. I apologize for any inconvenience or frustration this caused you. ... I would appreciate it if, considering the circumstances and the fact that this is my first infraction, you would be willing to waive the late payment fee.
sincerly,(you name)
Explanation:
why are you apologizing to the grocery people in the first place?(Just curious)
 
        
             
        
        
        
Answer:
Accommodation
Explanation:
Nora took her young son Alfred to the zoo, where he pointed to a zebra and said, "Look, Mommy, a horse!" Nora replied, "That is not a horse; that is a zebra. See, it has black and white stripes." Alfred then replied, "Wow! Look at the striped zebra!" In this situation, Henry’s development of a zebra schema required acommodation.