"An in - group is a social group to which a person psychologically identifies as being a member"
Denise and her friends have formed a group that strongly identifies them.
<span>The baby is demonstrating habituation. Habituation occurs when a human or animal loses interest and responds less to an object or stimulating behavior due to being exposed to them repeatedly. The baby is bored with the toy because it is not new to him or her.</span>
Since Chloe has a history of not paying his previous monthly utility bills, the lender probably deny her line of credit. Chloe cannot further use the services offered by the lender unless she will pay her balance. Non-payment of monthly utility bills is an enough reason that lender will on-hold her account temporarily until she settles her balances.
Cooperationist or known as copperheads i believe