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.
 
        
             
        
        
        
What the person is applying on the scenario above is the classical conditioning. The classical conditioning focuses on acting or pairing up two stimulus which are named as the conditioned and unconditioned stimulus. Those stimulus are being presented above in which the first and second statement describes. They are being done in order to analyze consequences that could be done with the different stimulus applied.
        
             
        
        
        
Answer:
<em>(e) top-down processing</em>
Explanation:
Since the brain is basically focused on the sensory systems higher. 
Higher-level stages of cognition such as reasoning, are therefore known to be at the top of the process of feeling and perception.
But at the other hand, low-level brain structures, like those participating in sight, touch, or hearing sensory systems, are known to be at the bottom. 
Top-down processing refers to how our brains use information that one or more of the sensory systems have already put into the brain.
It is a cognitive process that begins with our emotions, flowing down to functions at lower levels, such as the senses.
 
        
             
        
        
        
Answer:
Conceptual Skills
Explanation:
According to my research on the different skills used the most by an organizations management, I can say that based on the information provided within the question it can be said that top managers utilize Conceptual skills the most. Conceptual Skills is an ability that allows management to visualize the organization as a whole use ideas as well as the relationships between abstract concepts.
I hope this answered your question. If you have any more questions feel free to ask away at Brainly.