Answer:
A. each state's Department of Insurance
Explanation:
There are five independent agencies that provide independent ratings of insurance companies' financial strength and claims-paying abilities. They are:
1. A.M. Best,
2. Fitch,
3. Kroll Bond Rating Agency (KBRA)
4. Moody and
5. Standard & Poor's
Each have a rating scale, rating standards, its own population of rated companies, and its own distribution of companies across its scale.
The government has a central bank that is oftentimes referred to the Federal Reserve Bank (or just Fed).
bureaucratic regulations and rules are not very helpful when unexpected situations arise. Bureaucratic authority is notoriously undemocratic, and blind adherence to rules may inhibit the exact actions necessary to achieve organizational goals.<span>Concerning this last point, one of bureaucracy's least-appreciated features is its proneness to creating “paper trails” and piles of rules. Governmental bureaucracies are especially known for this. Critics of bureaucracy argue that mountains of paper and rules only slow an organization's capacity to achieve stated goals. They also note that governmental red tape costs taxpayers both time and money. </span>
In the Stamp Acts of 1756, the British had all of the printed paper stamped, so that the colonists had to pay tax on all stamped papers. In the Townshend act the British taxed tea :)
Randomization is the process of making something random; in various contexts this involves, for example: generating a random permutation of a sequence (such as when shuffling cards); selecting a random sample of a population (important in statistical sampling
