Answer:
where is the diagram? could repost the question ?
It effects the environment because it can cause unstability in the food web and biotic and abiotic factors
Answer: "andropause" .
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The statement which describes a modified endowment contract is this: 'Exceed the maximum amount of premium that can be paid into a policy and still have it recognized as a life insurance contract.
A modified endowment contract is a type of life insurance contract which has been funded with more money than allowed. Such a life insurance will no longer be regarded as life insurance by IRS, it will be considered as a modified endowment contract.