I think its around 5,000 - 6,000 BC
The correct answer to this open question is the following.
Insurance is a financial service that offers a kind of protection in the event of unforeseen damage, injury, or loss.
A premium is the cost of a type of insurance that is paid at a regular interval.
A copayment is a money a consumer must pay to share the costs of a payout.
When we talk about financial services, insurance helps people to share liability with the insurance company. That is why the client buys insurance, to diminish or mitigate the risk in the case of an event. For that to happen, the client has to pay for the premium, that is the kind if the insurance that is going to protect the client and be valid in the case of an event. When the client uses the insurance, it has to make a copayment that shares the costs of the payout.
The Dynamo-powered torch (flashlight)
the jerry can
Interesting question. The black death was a rather ready virus or as they called it a "plague". The reason it was so deadly it because it was a brand new virus/plague that the Europeans had never encounterd therefore being rather deadly for there immune system was not ready for it and had no way of treating it because it was an known virus from overseas. If you didn't know it was carried over on a ship where the virus was attached to a rat with further infected the crew and soon after the entire towb
