Which data type or collection of data types can SOQL statements populate or evaluate to? (Choose 3)

Given the following code snippet, that is part of a custom controller for a Visualforce page:

In which two ways can the try/catchbe enclosed to enforce object-level permissions and prevent the DML statement from being executed if the current logged-in user does not have the appropriate level of access to the object? (Choose two.)

When are code coverage calculations updated?

Which two declarative process automation features can be directly invoked when a field value changes on a record? (Choose two.)

The sales team at Universal Containers would like to see a visual indicator appear on both Account and Opportunity page layouts to alert salespeople when an Account is late making payments or has entered the collections process.
What can a developer implement to achieve this requirement without having to write custom code?