Reaching unique or overlapping markets that have different levels of product awareness require programming standardization

_______ barriers to change associated with the tendency for managers to look at issues from a biased or limited perspective based on their prior education and experience

Fill in the blank(s) with the appropriate word(s).

What does the loss ratio measure in any particular year?

A. Payouts on policies to premiums earned. B. Amount of premiums earned relative to the payout on policies. C. Overall underwriting profitability of a line. D. Loss adjustment expenses to premiums earned. E. Commission and other acquisition costs to premiums written.