What can be protected by copyright?

Copyright, a form of intellectual property law, protects original works of authorship including literary, dramatic, musical, and artistic works, such as poetry, novels, movies, songs, computer software, and architecture. ... See Circular 1, Copyright Basics, section "What Works Are Protected."

Explanation:

(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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88 because 4 plus 4 equals 8. 40 plus 40 equals 80. 80 plus 8 equals 88