The correct answer to this open question is the following.
European colonization changed the lives of native people in the South Pacific by introducing deadly new diseases to native communities.
Native people were clean and healthy people that maintained good habits and hygiene in their tribes. But when European conquerors arrived in the South Pacific lands, they brought with them some diseases never before known to the native tribes. These diseases killed thousands of natives. Among the many diseases, the colonizers brought to the South Pacific were smallpox, measles, influenza, and chickenpox. These diseases devastated entire regions.
The interest rates of certificate of deposit are locked rates because they provide a clear and predictable return on any deposit over a specific period and the financial institution cannot later change the interest rate to reduce earnings.
