Antibiotic resistance occurs when bacteria change in response to the use of these medicines. Bacteria, not humans or animals, become antibiotic-resistant. These bacteria may infect humans and animals, and the infections they cause are harder to treat than those caused by non-resistant bacteria.
The electoral college was formed for the people to vote, so I would say that it is a form of indirect democracy, because the people make the decision by voting but they do not make their decision directly.
The largest ethnic group in Singapore is Chinese.
I think the first one is "paper assets" and the second one "derivates". I'm not 100% sure though.