I think the correct answer would be second opinions. Insurance companies would recommend their members to go for second opinions so as to make sure the operation is worth it for them to spend less and wisely. Hope this answers the question.
When you have a high self esteem you would mainly be more positive about everything. My guess would be true.
Go With the Traffic Flow. Ride on the right in the same direction as other vehicles. ...
Obey All Traffic Laws. A bicycle is a vehicle and you're a driver. ...
Yield to Traffic When Appropriate. ...
Be Predictable. ...
Stay Alert at All Times. ...
Look Before Turning. ...
Watch for Parked Cars.
A2 B3 C4 D1 I pretty sure that's it :)