According to the excerpt, the option that identifies an implicit meaning one could draw from it would be the second one: "Locke is unfamiliar with the term <em>idea</em>".
In the excerpt, Locke is not asking what Idea is nor is he being uncertain about the relationship between speculative and practical ideas. He seems to never heard it before and the exact meaning fades away.
That's why he asks what it represents and not its definition or for someone to repeat the explanation. He just needs an example to clarify the boundaries of the <em>idea's</em> meaning.
Well we can learn everything they been through and did
Answer:
When people put their money in the bank to save it other people can borrow that money. As they pay it back you won't loose money and the bank will earn in interest. So as long as people are putting their money into the bank others will be able to borrow when tight on money. This is similar to herd immunity because as long as a greater number are doing it the minority that can't will be protected.