A kiva is a room used by Puebloans for religious rituals and political meetings, many of them associated with the kachina belief system. Among the modern Hopi and most other Pueblo people, kivas are square-walled and underground, and are used for spiritual ceremonies
-From Wikipedia
https://en.wikipedia.org/wiki/Kiva
Answer:
I would say that it is Indo-European
Explanation:
Hello~
The answer(s) to your question is A, C, and D.
Individuals began to start more private businesses.
New banking systems financed the growth of business.
Factories began to employ specialized workers.
~Hope this answer your question!~