The results of urban development include all of the following except * reduced forest land * reduced flooding * increased pollution * increased paved surfaces

Reduced flooding. Think about cities and the steps used to build them.

There is totally sun all the way down there.

Humid continental climate is found in the interior of continents between the 30 and 60 degrees latitude, but usually above the 40 degree line.   40 degrees north of the equator means less direct sunlight and therefore less warmth.   this climate is mainly found in the northern hemisphere since there are no major landmasses in the southern hemisphere.  if you live in northern indiana, you know all about humid continental because that is the climate type you have!