The most universal social institution is the family; every society organizes its members into families.
a. true
b. false

Yes, I think that this is correct. The reason for this is that children need parental care when they're young as they would literally die without such care and this case is typically given in families. Families also satisfy some of the basic human needs, such as the need for love and acceptance so people naturally form families. 

Iwould think a loan officer but i'm not sure

Who knows, do another question and send it to me