Need done fast what were the causes and effects of the first urban civilizations?

i need it in long essay form or in points of impotent info to have

time is vary limited my class is pre AP history and Geo (10th)
ill give brainy if answered in time ill comment when im out of time

newton is important because he contributed more to the development of science than any other person in history. isaac newton is remembered as the greatest scientific genius who ever lived. his discoveries about physics, light, and mathematics changed the world.

the installment plan of the 1920s, an arrangement that allowed people to buy what they wanted with a small down payment and pay off the rest in monthly installments, provided americans a way to own what they did not have the money to buy.

stick up my a**

c. is the answer : ) (you may punch me if im wrong lol)