Explanation
The recovery time objective (RTO) is the maximum tolerable length of time that a computer, system, network or application can be down after a failure or disaster occurs. This does nothing to help with CPU utilization.
Load balancing does this.

Explanation
Phishing is a type of social engineering attack that uses email, phone, SMS, or other forms of personal communication to trick users into revealing sensitive information, such as log-in credentials, to an attacker. In this case, the user was deceived by a phone call that pretended to be from a legitimate source and asked for their log-in details.

Social engineering

Load balancing is a technique that can be used to provide fault tolerance and high performance while appearing as one URL to users. It is achieved by distributing the workload across multiple servers, which are usually located in different geographical locations. This allows for high performance and fault tolerance, as if one server fails, the other will take its place. Additionally, the multiple servers appear as one URL to the users, eliminating the need for the users to switch between servers.