Plz answer u

which of the following is the correct elaboration on the reason behind the name of the xyz affair?

each letter represented the first initial of the french representatives' names.
the americans referred to the french representatives as xyz.
xyz was the tribute demanded by the french government.
xyz was the tribute demanded by the english government.

i am pretty sure the awsers is d.

all of the following apply except for (a. excessive credit on real estate resulting in defaulted loans.

in 1819, panic swept the country due,in part, to the rapid expansion of american manufacturing during the war of 1812 and the distress caused by the post-war british competition. the rapid expansion of american farming was another factor.

explanation: