Answer: The mortgage broker.
Explanation:
The mortgage broker is an individual or company that connects the mortgage borrower to the right mortgage lender, which the mortgage borrower can afford their interest rates on mortgage.
The mortgage broker is paid by the mortgage lender for each mortgage borrower they bring that successfully borrows a property.
In 1916, German Terrorists Launched an Attack on American Soil
I believe the answer is humans are neither good nor bad.
Silent Spring was written in 1962 by Rachel Carson. She was an American Conservationist and a Marine Biologist and is accredited with being an inspiration to the global environmental movements.