13. What is TRUE about consumer finance companies and credit? 4 They always require some form of security for loans. They only consider individuals with an established history of credit. They tend to lend only to members. The application process for a loan or credit is often quite speedy.

Well based on the summary,   the setting plays a big role in char. development since the cat has been spoiled and babied her whole life she has to figure out how to survive on there own for the first time. and since winter is coming the cat is faced with lots of dangers and troubles. but, like you said with the storm that brought an invasion of rats, since she is   a cat shell figure out how to kill and get food and the storm is the best way to learn right. can you mark me brainliest pls! read more on -

The issue of racism greatly inflience herbecause by then there was racio discrimination in the south this affects her such that she will grow up favouring people of her race and undermining the othersracism will build herin earlier days the people of south were oppressed by the whites since they were considered slaves or subject yo the whites.so as a result of this the whites children grew up bearing in mind that they were more superpower than the black