Help me with the above pic

John looked out of the train window and saw the bright lights of the city. He was delighted after 4 years he was finally going to go to the law office he had always wanted to go to. He had been going to Gonzaga for law for 4 years trying to get the appropriate degrees and had finally passed the LSAT's and the bar exam. As he pulled into the train station he suddenly had the thought what if he wasn’t good enough what if he failed and they didn’t what him anymore. “No” he thought “I made it this far i can’t fail now.” He stepped off the train and was instantly assaulted by the noise of the city this was not like spokane this place was untamed raw.

Explanation:

all of the following apply except for (a. excessive credit on real estate resulting in defaulted loans.

in 1819, panic swept the country due,in part, to the rapid expansion of american manufacturing during the war of 1812 and the distress caused by the post-war british competition. the rapid expansion of american farming was another factor.

explanation: