Phylogeny is the way of studying evolution by trees (branching) of all evolutionary organisms. It represents, how organisms are connected with each other at specific time period. By studying organism structure/function with specific time, it is easy and more systematic to investigate evolutionary concepts
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Democracy was first practiced in Ancient Greece, so the correct answer is South-East Europe. Another famous early democracy was Rome, also in Southern Europe.
Panama is an isthmus linking central and south america.
If you are planning to carry a large balance on your credit card, you should look for the one with a lot of credit card rewards or the one with low interest rates. Since you gonna pay a pretty big amount of interest rates anyway, might as well get some rewards over it