A bank loan is basically like borrowing something from somebody . Say if you go into the bank to loan 1,200$ they will loan it to you and give you a long term period of time to pay them back. Hope this helps
The mood that is made by this excerpt is very sad and blue. The sentence,"The terrorists that done that to her." This sentence shows the bad circumstances the old lady was in adding to the sad mood and picture of the skinny pale skinned women.
Are there any options? if not you can use foal:horse