The use of an applicant's personal opinions by underwriters for rating criteria directly violates which guiding principle of underwriting?

An elevation sheet which is used in a subdivision shows which of the following:

A: Topography of the land including slope, elevation of the site, streets, sidewalks, and curbs; B: Drawings of the front and side views of the finished homes; C: An interior of the homes showing framing and structure of the homes; D: An aerial view of the site.

Hospital insurance is generally part of every insurance plan. It covers the costs associated with a hospital stay including

A) room charges. B) nursing costs. C) drugs supplied by the hospital. D) All of the above are correct. E) Only A and B are correct.