Which of the following dividend options, sometimes called the "fifth dividend option," is not offered by all insurers that sell participating life insurance coverage?

The term that describes the action by which a local building authority permits an inconsistency to the construction, systems or standards within applicable building codes is best known as:

A: An infraction; B: An exemption; C: A permit; D: A variance.

Which statement least represents U.S. values?

a. U.S. Americans value directness over indirectness. b. U.S. Americans value time management over leisure. c. U.S. Americans value history over planning for the future. d. U.S. Americans value equality over inequality.