The appropriate response is Melting Point. It is a procedure in which diverse gatherings meet up and contribute generally level with sums to make a typical culture and another, novel society. A smart thought yet not an exact portrayal of osmosis in American culture.
I believe that its a description of “Liquefaction.” Hope this helps you.
A disaster is a sudden, calamitous event that seriously disrupts the functioning of a community or society and causes human, material, and economic or environmental losses that exceed the community’s or society’s to cope using its own resources.
9) is a loan and that’s your answer