I believe the answer is c) divided government.
Answer:
A. Examining advantages and disadvantages is the correct answer.
Explanation:
the 36th biodiversity hotspot in the world. ... It is one of the largest hotspots in North America, and it is especially known for its unique collection of frogs, freshwater fish, birds, and plants, and plants
Answer:
rights and behaviour of people from minority groups and which celebrates their diversity. There is some important legislation in this field, including the Equality Act 2010 and the Protection from Harassment Act 1997
Explanation:
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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.