Which of the following terms refers to a promise made to lenders by a borrower? question options: record covenant bargain investiture

Without stratospheric ozone, which of the following would most likely occur? i. smog over major cities would be greatly reduced. ii. farms would produce surplus crops because of increased photosynthesis. iii. uv radiation would damage phytoplankton and reduce populations of aquatic consumers. i only ii only iii only i and ii i and iii