The culture in which individuals are socialized influences the way they communicate, and the way individuals communicate can change the culture. Culture provides its members with an implicit knowledge about how to behave in different situations and how to interpret others' behavior in such situations.
Answer:
structured data has a defined length , type and format and includes numbers , dates or strings such as customer address
Answer:
$60,936
Explanation:
Provided information,
$12,000 will be received at each year end from third year to 12th year end.
The discount rate provided = 10%
Therefore PVAF of 10% for third year end to 12th year end will be for $1
Here 0.10 = 10% discount rate
Value for $12,000 = $12,000 
5.078
Present Value of $12,000 will be
= $60,936
Answer:
Correct Answer:
D) The disability must occur before a stated age, such as 65, for premiums to be waived.
Explanation:
In Life insurance, the individual insured against bad events that may likely occur in his or her life through an insurance company. This would led to the company to pay his beneficiary or the individual in question if such event happened.
<em>For waiver-of premium to occur in a life insurance,the disability of the individual must occur before the age of 65 years which is assumed to be the retirement age.</em>
