Overspending : bankruptcy : : joke :

the correct answer is:

this is an example of the writer telling through description rather than showing through dialogue.

sometimes writers like to explain explicitely what's happening instead of adding dialogues of the situations., which is the case in this passage,

covert: hidden or secret

candid: truthful and straightforward

what i get from these phrases is covert means undercover or underground and that's where the flower is in april. on the other hand, may is the month where flowers start to bloom and thats the reason why candid is being used as a word to describe the blossoming period of a flower.

hope this answer you.

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