The correct answer should be A) Governmental Relief Programs. Hope this helps.
I would say A but i am not 100% sure.
The Answer is A. Railroad owners sold stock to investors to finance the construction of railroads
The bank wants to give you an incentive to pay back the loan. If they did not hold your assets as collateral, you could simply fail to pay back the loan and really not lose anything other than your credit score. Many borrowers already have tarnished credit scores, so that is rarely enough incentive to base a loan on.
I would put this into your own words considering I copied and pasted it. Other than that I hope this helps!
Answer:
It lists the laws of the country and gives states the power to enforce them.