A chartered bank includes which of the following? (Select all that apply.) all financial institutions who accept deposits
only state-chartered operations
financial institutions that lend money to corporations and individuals
deposit insurance provided by the FDIC

recent brain research has shown some surprising benefits as a result of formal musical training. learning to play a musical instrument appears to develop parts of the brain that can even influence academic results. the studies indicate that the earlier a child begins training, the more benefits there are. one such study showed that children who began musical studies before the age of seven had a more developed brain in the region where language production and auditory processing take place. scientists believe there is mounting evidence to show that early musical training can improve brain function.

explanation:

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awnser:

jem is "moody and silent" after the pants incident. the new school year starts, and scout finds second grade just as boring as first. one day, she and jem are walking home together when jem reveals that when he found his pants that night, they were all folded up, and the tears had been crudely sewn up, as if someone knew that he would be coming back for them. he finds this highly eerie. then, they find a ball of twine in the radley oak tree knothole. again, they aren't sure if it is a gift for them or not, so they leave it for a few days. when it remains in the hole for a few days, they take it, and decide that anything left there is okay to take.