A dividend is an amount returned to a policyowner out of an insurance company's surplus funds. In a practical sense it is a return of premiums that exceed the insurer's expenses and mortality experience. Only certain types of insurance policies produce dividends.
D, because the other options are constant change.
B the ring ................................................................
I'm pretty sure your answer should be Filled with horror or shock. Hope this helps! =^-^=
When writers are thinking about selecting strong ideas for their writing, they should not consider their own feelings also, brainstorming for ideas to write about, writers should avoid immediately throwing out ideas. Hope that help! :D