To develop plans, managers identify important factors in the environment, such as possible economic downturns, declining markets, increases in cost of supplies, new technological developments, or safety accidents.

contingency

Explanation: Managers must identify important factors in the environment in order to develop contingency plans. Some of these factors that might affect the business or an organization as the case maybe would include possible economic downturns, declining markets, increases in cost of supplies, new technological developments, or safety accidents. Contingency plans are alternative plans to be put into operation if needed, especially in case of emergencies, or if a primary plan fails.

(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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