________ are items that are used or consumed for personal use

According to the theory of dualism, humans and nature are one.

a. true b. false

ABC Insurance Company calculated the amount that it expected to pay in claims for each policy sold

Rather than selling the insurance for the amount it expected to pay in claims, ABC added an allowance to cover the cost of doing business, including commissions, taxes, and acquisition expenses. This allowance is called a(n) A) policyowner dividend. B) premium. C) expense loading. D) rate credit.