The tasks of personnel with similar positions in different departments are kept rather uniform with _____

Brad's homeowners insurance excludes losses if there is a "material increase in hazard." After buying the policy, Brad started to make fireworks in the basement. A spark from a wood stove ignited some gunpowder, and the home burned to the ground. Which legal characteristic of insurance contracts may prevent Brad from collecting under his policy?

(a) conditional contracts (b) personal contracts (c) contracts of adhesion (d) aleatory contracts

When a bank is the maker promising to repay money it has received, plus interest, the promissory note is called a ________

A. check B. letter of credit C. deed D. certificate of deposit