Hi! :)
The borrower may chose to use the funds to invest in a business venture and thus be becomes an investor. Money is channeled through financial institutions such as banks. A saver saving with a bank account seeks to keep the money in the bank as it earns him interest.
In dramatic structure, I think dialogue is used to appeal to the reader by making he/she feel like they are actually there and to just bring it to life. Hope that helps.
Change was to is, worked to work, prided to pride, cooperated to cooperate, felt to feel, and had to have.
70% as a decimal is 0.70
To convert from a percentage to a decimal, you move the decimal point twice to the left
Hope this helps
Please show us the list you're referring to.