Answer:
d. there is a shortage and the interest rate is below the equilibrium level.
Explanation:
If the quantity of loanable funds demanded exceeds the quantity of loanable funds supplied, there is less money available for loans than the required, which characterizes a shortage. Higher interest rates decrease the demand while lower rates increase demand; if demand is higher than supply, the interest rate is lower than the equilibrium rate.
Therefore, there is a shortage and the interest rate is below the equilibrium level.
 
        
             
        
        
        
Free enterprise pretty much says that people can sell whatever they want at a price they choose to whoever wants to but it. Becacuse of this people wanted to go out and make their own businesses where they sold the goods or services they chose to. So yes, I believe free market inspired people to become euntrapenures. For the next question, yes as well. With the amount of people selling different things the economy became more diverse. 
        
                    
             
        
        
        
Consumer surplus is difference between the amount that consumers are willing and able to pay for a good or service 
In this case, Nicki is willing to pay $1,100 for the camera, but she is only asked to pay 900. So Nicki has a consumer surplus of $200
 
        
             
        
        
        
I believe the answer is d. I hope it was right and I helped!