Bert purchased fire insurance on his dwelling. Shortly thereafter, he began to manufacture fireworks in the basement, near the furnace. When a fire severely damaged his home, the insurer denied liability because the policy stated, "we will not be liable for any losses directly attributable to a material increase in hazard." This clause is an example of a(n):

(a) condition
(b) declaration
(c) definition
(d) insuring agreement

Ans: (a) condition