A financial institution that makes loans using a borrower's car as collateral is called a:
A. payday lender.
B. retail bank.
C. title pawn lender.
D. credit union.

explanation:

sorry english

answer; i believe that the correct answer is (decreased)

is this supposed to be a question

an informal structure in a bureaucracy would be something like so-called "office politics". where there's a formal structure set up for the organization, but then an informal subculture as well that has a way of organizing the bureaucracy further. this can be positive because it sets up an added degree of organization, albeit informal, within the bureaucracy.