downsizing is a strategy that

Organizational downsizing is a prevalent strategy designed to improve organizational performance while selectively decreasing costs. It refers to “an organizational decision to reduce the workforce in order to improve organizational performance.

Explanation:

Downsizing is a reduction in organizational size and operating costs implemented by management in order to improve organizational efficiency, productivity, and/or the competitiveness of the organization. ... Survivors are employees who remain after an organizational downsizing takes place.

(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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