Respuesta :
An externality is something that affects more than one person. An externality can be positive or negative. For example, a paper mill supplies products we use everyday like toilet paper, paper towels, and so on. This paper mill affects many people positively. However that same paper mill puts a lot of pollution into the air negatively affecting everyone who needs air to live. The correct answer to your question is the second option (a conversation that annoys people nearby.
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