All of these are ways to become a low risk borrower except?

It’s either d or b ! but it might be b

The changes to agriculture in the united states since 1900 is that increased mechanization has increased food production, thereby increasing the need for labor. there has been an increased need for higher speeds of food production due the fact that the population in the united states continues to rise.

An informal structure in a bureaucracy would be something like so-called "office politics". where there's a formal structure set up for the organization, but then an informal subculture as well that has a way of organizing the bureaucracy further. this can be positive because it sets up an added degree of organization, albeit informal, within the bureaucracy.