Answer:
physical change probably, I would think more than chamical
 
        
                    
             
        
        
        
Let's think of an example for such an organization: United  Nations, The European Union, NATO. How would you expect them to communicate with the masses? 
The most likely options are either through posters, TV advertisements or press conferences seen in the TV. This means that they communicate through the media - answer b.  
        
             
        
        
        
Communications in the late 1800s were restricted. The earliest postal systems were often run by a local citizen out of his house. Postal carriers traveled by horse and only carried documents.
        
                    
             
        
        
        
Answer:
A) DIscolsure, beacuse it requires lenders to disclose to buyers the true cost of obtainng credit. 
Explanation:
The Lending Law was estalished in 1968, as a way to regulat certain unethical practices in lending, and was originally known as Regulation Z.