Chemical fertilizers used in farms may be washed into local water bodies, such as ponds and lakes. this often results in a rapid growth of algae, an algal bloom in the ponds and lakes.

The correct answer is a nutrient runoff.  

Nutrient runoff is a major reason for eutrophication of surface waters, in which extra amount of nutrients, generally phosphorus or nitrogen, instigate growth of algae. Sources of nutrient pollution involve surface runoff from pastures and farm fields, emissions from combustion, and discharges from septic tanks.  

1: most common garden plants prefer loam — soils with a balance of different-sized mineral particles (approximately 40% sand, 40% silt, and 20% clay) with ample organic matter and pore space. however, some plants grow better in sandy soils, while others are well-adapted to clay soils.

2: available water capacity is the maximum amount of plant available water a soil can provide. it is an indicator of a soil's ability to retain water and make it sufficiently available for plant use. available water capacity is the water held in soil between its field capacity and permanent wilting point.

3: it is the same for all living things (plants and animals). it also includes very tiny organisms that our eyes cannot see. they are known as microorganisms, and include viruses, bacteria and fungi.