Aborrow may be able to get a lower rate in a loan if he or she offers to the
lender a sizeable

I believe the answer is an asset. Any asset has to account for its ability to cover a loan and it's fees...example, if you own a property that is rented to a consumer for farming purposes, whatever the farmer plants, or for grazing purposes, that is the farmer's asset to cover they're loan. if they become delinquent in the payment, that gives the loaner the right to seize that asset for payment of a loan.

The answer should be b

1.  go out into nature and commune with the divine2.  experience real solitude to truly perceive nature3.  realize that individuals are meant to learn from nature and transcend it4.  think of nature as a symbol of the divine