Answer: The General intelligence factor
Explanation: According to Charles Spearman the general intelligence factor or g factor is the base from which all other intellectual abilities arises or are formed from. It is the presence of a wide mental limit that impacts execution on psychological capacity measures. Alan's general intelligence factor is quite high which is responsible for all this abilities he possess.
Its D: Using credit means receiving money from a financial institution and paying it back over time.
The First Bank of the United States was set up in 1791. It was proposed by Alexander Hamilton, and approved with a 20-year charter till 1811.