Final answer:
The correct answer to complete the expression is 'Verbal,' which relates to spoken words and is a key component of effective communication, civility, and cultural competence.
Step-by-step explanation:
The question is asking to fill in the blank with the appropriate word that completes the expression "___ spoken." The correct answer is A. Verbal, as it pertains to words that are spoken rather than written. Verbal communication is an essential skill and part of communicating effectively. It relates directly to civility and cultural competence which are also important aspects of communication in society, impacting financial literacy and overall understanding.