I am a region or a district of the United States not admitted to the Union as a state. What am I?

Agraduate student wants to examine the effect of print media versus televised media on individuals’ position on several social issues. the superintendent of a local work release facility, a family friend, will allow the graduate student access to the prison population to her quickly accrue subjects. the student’s irb should: approve this project since the risk appears to be no > minimal. not approve this project because the prisoners are merely a population of convenience for the student. approve this project since the superintendent is the ultimate authority on what happens in his facility. approve this project but submit it for federal review.

Stories that are passed down through generations by word of mouth are called

Uses money from peoples savings to make mortgage loans