How do climate and landforms determine characteristics of a biome

Solve this problem e=0+4m+p/6 (i also need to know what they are asking)

Which of the following always exist between two objects having mass ● elastic force ● contact force ●gravitational force ●magnetic force

Jessica wants to get a credit card, but the bank is refusing to give her one. what could be the possible reason behind the bank's refusal to comply with jessica's request? a. she does not have an account with the bank b. she has a bad credit history c. she has a good credit history d. she is 18 years old e. she doesn't have a job