I would say "The government directly sets the interest rate that banks charge for loans." because the of the federal reserve.
The spring song says about rainbows and birds
The answer to the question is B.
The answer is distress or distressing. It is because in the 4d's, it is likely that distress is the answer for it is linked to Tony's behavior. For distress enables other people such as their friends and family to feel pain or anxiety with a given behavior or feeling that could make them feel this way. It could be point out above as Tony affects his parents because of his behavior making them feel pain and discomfort.