Which condition is a result
a. higher prices
b. government regulation
c. poor customer service
d. higher quality goods

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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im confused need to go into details plz thx

i would say iii (3) because in order to compare a price you have to use as a reference other near stores because it's its

hope i explained myself

answer; competency based pay;