In 1513 Balboa and his crew reached a what that connected North America and South America

Vasco Núñez de Balboa helped create the first strong settlement on the South American continent at Darién, on the coast of the Isthmus of Panama. In 1513, while leading a mission in search of gold, he saw the Pacific Ocean.

Explanation:

a.) are both appointed for life

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