Answer:
The answer is D., European Union.
Talking to a person you do not know, an email to a business representative, and similar would be situations where someone would have to use formal language.
Loaf is a verb when used in that context, it means to idle one's time away, typically by aimless wandering or loitering.
The correct answer is A. U.S. dollars would not be useful for people in developing countries to use, but it would still help them and Susan make a profit.
They brought diferentes religions and cultures with them.