Tenemet apartments at the beginning of the 20th century were

Tenement apartments at the beginning of the 20th century were multi-dwelling residential buildings in which the tenants resided and payed a rent to the owner of the apartment. Individual tenants could use the common areas of the house, which included entrance halls and corridors with stairs or lift, cellars, laundries, soils, dryers or backyards and the garden.

the answer is a) the proclamation of 1763.

keeping a cash reserve because cash flow is the the movement of money through a company and if it just sits there, it wont the movement