Which of the following would be a legitimate method to convert an order paper to a bearer paper?

After 12 years, the policyowner decides she no longer needs the large death benefit on her whole life policy. She calls you, her agent, and you tell her she can use the reduced paid-up non-forfeiture option. Which of the following is not true about the new policy?

A. The new policy will require no further premium payments. B. The new policy will expire in 10 years. C. The new death benefit is much lower than the original policy. D. The new policy will be in effect until the age of 100, or until she dies, whichever occurs first.

In spite of having about 45% of the world's known oil reserves, Saudi Arabia and other Middle Eastern countries post current-account deficits, largely because:

A) of poor accounting practices. B) of vast economic diversification. C) they must import most of the goods and services. D) most of the oil is exported. E) new businesses are being developed.