This should be easy and plus 10 points

what the first or next guy says

he believed that congress would be better not dealing with "lobbyists", or people who seek to influence (a politician or public official) on an issue, since historically, they had problems with these kinds of people. he thought lobbying produces benefits, but should be carefully monitored.

due to inefficiency of management, the business plan has failed

idk what right product means but i assume it's this one since this was the last one left after i did the other three

the finance team has misjudged the requirement of business plan and chosen a wrong line of credit

operations risk is when the employees make a mistake

flash floods have damaged all machinery in the main manufacturing

natural disasters include anything ruined in the business by the weather or other disasters such as earthquakes

there have been foreign exchange rate fluctuations

economic risks is when things in the economy changes (like interest rates, currency value). the government has a large part in controlling this