How are regional intergovernmental organizations (IGOs) different from organizations like the United Nations?
A. They are able to pass laws that must be obeyed in all member
states.
B. They are more likely to use military force to achieve members'
objectives.
C. They are more restrictive about which countries may become
members.
D. They are completely independent from member states' political
leaders.

D

Explanation:

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:

it allows shippers to carry commercial goods, which allows them to save time and money.