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.
Answer: I cannot see the picture.
Explanation: I think there is this weird glitch where I can't see the the picture, sorry.
The author would use thrifty if they were trying to portray a positive behavior.
Each of those words describe someone who doesn’t spend a lot of money. However, “cheap”, “stingy”, and “tightfisted” all imply that the person isn’t spending money out of greed. “Thrifty” implies that the person is looking to save money by looking for a deal.