Answer:
Has
(Unless you're looking for a more fancy word?)
If the letter you are referring to is the one you get when you have your credit card account or bill delivered to your home, then the best answer would be most likely the second one. The letter provides the recipient information about the condition of his own bank account.
The main one is the need to be in a crowed and to fit in. hope this answers your question! another one is "Humans' inherent violence"
The answer is the last one. Hannah thinks that cats are happier outdoors than they are indoors.