15. according to the state of oklahoma, what type of car insurance must you have by law?

The bare minimum car insurance requirement for Oklahoma drivers is: $25,000 bodily injury per person per accident.

https://www.einsurance.com/insurance-guide/oklahoma/auto-insurance/

Explanation:

the first option is the answer

"urban sprawl, the spreading of large developments of housing and shopping areas around a city’s center, has many negative cultural and environmental effects. " (from your link)

so, your answer is: it has a negative effect on the environment, otherwise known as c~hope this mate.