Abstract nouns are essentially nouns that can be interpreted differently by different individuals, such as beauty or maturity. Going by this definition, the abstract noun in the given sentence should be "loyalty".
I think it is adverb clause because of the word "hardly" which emphasises the ripple of the water
Which is an example of base rate fallacy?
D. Mary knows one person from Meridian high Who is boring, so she thinks everyone from that school is boring.