Answer: Mutual insurer
Explanation:Funds not paid out after paying claims and other operating costs are returned to the policy owners in the form of a dividend. If all funds are paid out, no dividends are paid.
 
        
             
        
        
        
The formulation of new memories is sometimes called construction, and the process of bringing up old memories is called reconstruction
        
             
        
        
        
Answer:hindsight bias
Explanation:Hindsight bias is a term used in psychology to explain the tendency of people to overestimate their ability to have predicted an outcome that could not possibly have been predicted.
example of hindsight bias is when people are wrong about the outcome of an event, but claim they knew it was going to go the opposite way to which they originally stated.