Credit unions use their access earnings to ?

As not-for-profit cooperative institutions, credit unions use excess earnings to offer members more affordable loans, a higher return on savings, lower fees, or new products and services. They serve members from all walks of life, including the poor and disenfranchised.

Explanation:

let me know if this is wrong

fearing kabuki could corrupt the nation’s morals, japanese government officials

explanation:

the national morals was so the japanese and the kabuki would stop fighting

assessment is the missing word