The correct answer is: Dane knows that <em>stress </em>is anything that challenges him psychologically or physiologically and warrants some type of adaptation or adjustment.
Stress is how our bodies responds to what we consider to be a threat. The body's capacity of defending itself are activated because the person is sensing some sort of danger approaching. That "danger" can be real or not, but the way our body reacts will be the same. When we feel stress, is our body trying to protect us from that threat.
Geographers study the earth's natural environment, including how society and nature interacts. An example, a distribution of its landforms, features, and inhabitants.
That doesn't give much info but with the info, you stated I would say individual because if it's disability insurance it being individual would maybe mean they can cover more costs than a group could.