Answer:
Borrowers. 
Explanation:
Borrowers can be defined as a group of people who are willing to pay extra in order to obtain money.
Basically, the amount of money that the borrower is willing to pay back as an additional charge to the amount borrowed from the lender is known as interest. The amount of money being borrowed by the borrower is expected to be paid back at a specific period of time depending on the agreement between the two (2) parties i.e the borrower and the lender. 
Additionally, mortgage loan originator is an individual or institution who is the original lender, ensures the loan falls through and closing it. These mortgage loan originators are usually saddled with the responsibility of persuading and counseling a borrower in getting a mortgage loan.
 
        
             
        
        
        
<u>Answer:</u>
<em>Anytime observations need to be clarified. When an unusual condition need to be shown for later reference.</em>
<u>Explanation:</u>
 Instead of just recording the data the is sometimes important to be sketched out as the data observed is needed to be clarified and also sometimes there is an unusual condition that occurs and hence, it is important to sketch it so that it can be used for later reference. 
<em>Therefore, when we are aware of the situation we need not sketch the data.</em>
 
        
             
        
        
        
B - Senegal River. Borders Senegal and Mauritania
        
             
        
        
        
Arenal Volcano is in the middle of the continent
        
             
        
        
        
Hope of gaining a better standard of living
Due to the adverse conditions of poverty and unemployment in the rural areas, people migrate to urban areas. In urban areas they find increased employment opportunities and better living conditions.
more and better jobs
better hospitals and health care
better living standards
cities are social and financial centres
better education—schools and universities