Anwser all get 30 points

all of the following apply except for (a. excessive credit on real estate resulting in defaulted loans.

in 1819, panic swept the country due,in part, to the rapid expansion of american manufacturing during the war of 1812 and the distress caused by the post-war british competition. the rapid expansion of american farming was another factor.

explanation:

the correct answer is: (1) affected by gerrymandering; (2) not affected by gerrymandering.

gerrymandering is known as a practice that intends to establish a some kind of political advantage for a particular party or group. to do this district boundaries are manipulated. the new resulting district is named a gerrymandering.

in other words, what gerrymandering does is to draw the boundaries of electoral districts trying to benefit the party who is doing it. sometimes, the party controlling the legislature will redraw it so they can maximize the number of districts they are likely to control.

"this speech"? what speech are you talking about?