Providing "and to whom" can be risky because it does not specify an exact name, and anybody who is in that position at a later time, can be affected by whatever is being referred.
        
             
        
        
        
Answer:
Yes the statement does
Explanation:
Retaining small predictable layers of risk and transferring the unpredictable catastrophic layer of risk to a more capable body is a very good approach towards  promoting appropriate risk financing decision making, this is because 
 Financial risk decisions are decisions taken between alternatives i.e risks associated with business activities . it is more appropriate to take alternatives with a predictable layer of risk,that way it would be easier for the management to handle the risk associated with it, while transferring the unpredictable catastrophic layer of risk to a more capable body ,like the Insurance companies .
 
        
             
        
        
        
<span>The rate for the general population was 37.5 percent. This is for people who do not work to make their heart function at the optimal level and take other preventative actions to make sure that they can lower their risk of heart attack or other cardiac issues to a minimum.</span>
        
                    
             
        
        
        
The answer to this question is <span>Continent Convergent Boundary
</span><span>Continent Convergent Boundary refers to the boundary where two tectonic plates experiencing active deformation.
The friction and other type of force made by these plates often caused the land to wend upwards and forming the mountains that we see today.</span>