Ozone, when present in what major layer of the Earth's atmosphere, screens out ultraviolet energy harmful to living tissue.

Which of the following is correct with regard to express warranties?

A) Commendations or puffing of the goods do not create an express warranty. B) It is always easy to distinguish between a statement of fact and an opinion. C) Manufacturers are usually liable for express warranties made by retailers. D) A statement of the value of goods will create an express warranty.

When selling life annuities, what risk is the insurer pooling?

A) bad investment performance B) premature death C) bad expense experience D) excessive longevity