The first Islamic civil war or "Fitna " happened in the 7th century, after the Caliph Uthman Ibn Affan´s assassination (d. 656). According to Islamic tradition, close relatives were the ones to take responsibility for avenging the assassinated´s death so both his favorite wife, Aisha and his brother Ali got into a dispute over who would avenge Uthman Ibn Affan.
Ultimately the war ended by the signing a treaty in 661.
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.
If your choices are the following:
The cotton gin
The flying shuttle
The water frame
The shuttle fram
The textile innovation reduced the labor force needed to operate looms by half is The cotton gin. So the answer is the first option.