Which scale is not an itemized rating scale (Table 9.1 in the text)?

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

Words that have opposite meanings are called ________

A) antonyms B) synonyms C) homonyms