I believe the answer is: Ohio state studies
The purpose of the studies were to find out what traits that a person need to become an effective leader. From the studies, they found that most leaders at lest possess these two traits as the bare minimum:
- People-oriented, which make them able to organize people to work together under a same goal
- Task oriented , they separate time to fragments that is dedicated solely to finish the taks that they need to finsih.
The correct answer is letter d. earthquakes and water damage.
Water Damage and Earthquakes are not covered by the Standard homeowners Insurance Policy, yet Earthquake and Flood Insurances can be purchasable in a separate insurance policy, together with a separate payable fee as well.
The invention of the telegraph decreased the usage of the pony express because now they had a faster and more efficient way rather than having to wait longer , which then put the pony express out of market.