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What are natural clones used for? - Horticulture Examples of natural plant clones - Bulbs, runners, rhizomes, stem tubers Other phrase for natural cloning - Vegetative propagation How bulbs do natural cloning - Leaf base swells with stored food, buds form internally, develop into new shoots and plants in the next season How runners do natural cloning - Lateral stem grows away from the parent plant, roots develop where the runner touches the ground, new plant develops, runner withers ...

How much advance notice must insurance company give its policyholder if it does not intend to renew a personal auto policy - At least 20 days Stephanie keeps valuable hobby supplies in self-storage warehouse. The policy was just renewed and the new policy imposed new limits for property in a self storage facility which Stephanie's agent did not point out to her if a fire destroys the warehouse Stephanie might be able to collect in full under what doctrine - reasonable expectations Melanie...

The Cold War - A conflict between two OPPOSING ideologies, capitalism and communism, fought between the USSR and the USA The Cold War (definiton 2) - A state of geopolitical tension after WW2 between the powers of the Western and Eastern Bloc, pursed primarily through economic and political actions Soft power (American tactic) - Not using military force to influence people; often portrayed themselves at the best through major aspects of society (e.g movies, media etc) The West fears com...

In general, what is the earliest age at which a person can take a distribution from a qualified plan without a tax penalty? - 59 1/2 Carol was 35 when she bought her deferred annuity. Now, at age 38, she wants to withdraw funds from the contract to take a vacation. Carol is likely to encounter all of the following consequences in making the withdrawal EXCEPT: - statutory minimum withholding requirements What kind of misrepresentation on an insurance application gives the insurer reason to ...

Risk - Chance of loss Loss - Unplanned reduction of economic value Peril - cause of loss Hazard - a condition that increases the chance of peril Risk Transfer - buying insurance to shift the risk to insurance company Underwriting - assessing applicant to determine insurability Adverse Selection - people with greater risk of loss trying to buy insurance Mutual Companies - owned by policyholders and issue participating polices dividends which aren't guaranteed or taxable S...

Rory's parents offered to buy him a new car to take to college, but Rory turned them down because he was afraid the car would be stolen or damaged if he parked it on campus. In deciding not to own a car, what risk management technique did Rory employ? - risk avoidance Which of the following is most likely to be an insurable risk? - The chance that a fire will destroy a building Theodore pays an annual premium to the insurance company that covers many of the risks associated with Theodore...

Representations and Warranties - Representations are statements the applicant makes on an application that are deemed to be true to the applicant's best knowledge. Warranties are statements the insurer makes in the contract. Underwriting vs. Actuarial Departments - Two related insurance company functions. Through the process of _________, applications are assessed for insurability and to assign premium rates. The ________ department analyzes data to help estimate future losses and to produce...

which of the following situations presents a situation of pure risk? -knowing that his family is depending on him, Frank wants to insure his life -wanting to increase his retirement savings, Saul invests his life savings in the stock market -Ralph takes a second mortgage on his house and uses the proceeds to gamble -wanting better job security, Ron cashes in his life insurance to start his own business - knowing that his family is depending on him, Frank wants to insure his own life onl...

An office manager asks an MAA to mail a letter to a patient who is being dismissed from the practice. Which of the following methods should the MAA use to mail the letter? Certified mail, first-class mail, priority, or standard? correct answerCertified Mail A MAA should verify a patient's CPT code for which of the following processes: Coordination of Benefits, Determining Eligibility of services, Obtaining prior authorization, or receiving a referral? correct answerObtaining prior authorizat...