Describe how the creation of a bureaucracy affected the song dynasty.

The Song Dynasty was prosperous in many respects of the society. In agriculture, the productive technology was improved which promoted the output of food; in handicraft industry, the division of labor became more detailed which made the  handicrafts technology reach an advanced level; additionally, the development of the commodity economy exceeded the previous level. Particularly, the earliest paper currency appeared at that period.

The answer is a hope

The advantage of banking with national retail banks is that they charge fees for many services.