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Answer:
A murder is usually the inciting event, the big rock that hits the water, but in psychological suspense, when it's done right, the focus is on the ripples that rock makes. Psychological suspense is a genre within crime fiction that can, and does, encompass myriad subgenres, making it difficult to classify definitively.
Explanation:
Answer is the second one
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Answer: If the underlined word is "thrifty", then the answer is careful.
Explanation:
I can't see which word is underlined but I think it's thrifty. If so, to be thrifty means to use money carefully and not wastefully.