I'm really struggling on this question. any help will be rewarded for points

Which of the following resulted from the passage of the dawes act in 1887?

Acertificate of deposit usually pays you more interest because you need a larger amount of money to open it and a the money in a cd is the banks money not yours. b the money in a cd cannot be withdrawn until a future date. c the money in a cd is considered a loan. d the money in a cd is digital money.

Of the following, who would be the least affected by the telegraph? eastern industrialists western businessmen city dwellers native americans