Answer:
While the increased time and workload resulting from government regulation can be detrimental to individual financial or credit services companies in the short term, government regulations can also benefit the financial services industry as a whole in the long term.
Implementing these regulations was expensive, but the act gave more protection to people investing in financial services, which can increase investor confidence and improve overall corporate investment.
Independent would be the answer
IN order this time lol
#2: The classical ideas led to a rebirth of art, culture, and intellect, and linked teachings and discoveries from different countries (and states) and together, helped spur Europe into modernizing
#3: The rise of city states help lead to the Renaissance, for wealthy families that rule city-states supported artists, scientists, etc to helping discover new creations to show how mighty they are
#4: New technologies include larger and faster ships, larger sails, compasses, a newer variety of food (hardtack was invented)
#5: Ghana, Mali, Songhai (?) (first two for sure)
Is known as an "electoral college." Hope this helps