Which is the adverb phrase in the sentence?

there are lots of blooms and leaves on the plants, and jennifer is with her choices.

a. of blooms and leaves

b. on the plants

c. with her choices

Pamela has a 30-year, 5.75% mortgage on her $250,000 home. she has been paying on it for 5 years, and has recently hit some financial trouble. if her lender agreed to lower the interest rate on her $231,905.47 balance to 5.5%, what will her new payment be for the remainder of the loan?