Banks perform all except which of the following services?
a. establish government programs
b. issue mortgages for real estate
c. store money safely
d. loan money to people

Banks don't establish government programs (answer A) - they do all of the other options - they deal with money, so they store and loan it, and they issue mortgages.

Urban growth invariably feeds increased commercialization and industrialization. it requires continually expanding land areas. when urbanization rates are high, and countries do not have the institutional and managerial capacities or economic wherewithal to manage such rapid growths, they exert intense pressure on the types and nature of the resulting settlements. they contribute to the development of overcrowded slums and shanty towns without adequate essential services and necessary infrastructure.-by asit k. biswas and cecilia tortajada