Threetwoone-party systems are most common in the english-speaking countries of the world.

In the English-speaking part of the world, two-party system is the most common. For example, in the US the two parties are the Democrats and the Republicans.

In many other countries three-and multiple party systems are more common and it is uncommon that a government is not a coalition of two parties (with one or more parties in the opposition)

Iwould think a loan officer but i'm not sure