Which of the following changes to waterways is only the result of human activity?
a. erosion
b. temperature fluctuations
c. flooding
d. chemical pollution

To obtain a microcredit loan, a person typically must a. be a male and have a source of income b. provide collateral and sign paperwork c. verbally promise to pay back the money d. have a good credit history select the best answer from the choices provided. a b c d