Members of industrialized cultures had reached virtually every group of people in the world by about:

I believe the answer is: The time of world war I

During the world war I, countries around the world realized the power of industrialization, especially in millitary development. Ever since this exposure, most countries in the world started to adopt industrialization in both of their economy and national defense.

the question deals with financial planning and the answer is that dan did not stay on budget due to the fact that this guy needs to start decreasing his discretionary spending. according to the financial plan, he needed to balance his expenses and resources.