play an important role in efficiently making products available to target markets in the needed varieties and quantities.

Intermediaries

Explanation:

Intermediaries are individuals or organisations whose main function is to ensure that goods are moved smoothly through the various channels of distribution. They act as a link between the manufacturers and the consumers.

Intermediaries acts as a middleman, they provide feedbacks to the manufacturers on the customer's assessment of the product. They also help in the promotion of goods by employing different advertising strategies inorder to showcase the product to the potential customers.

Hence intermediaries play a crucial role in efficiently making products available to target markets in the required varieties and quantities.

(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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answer; ///decision making under risk;