Suppose that the Miami Heat basketball franchise enters into a contract with a sports apparel producer and screen printer. The team agrees to purchase 100,000 T-shirts for $5 each and 25,000 hats for $6 each, indicating that the Miami Heat are the NBA champions. However, the terms of the contract indicate that the contract will occur only if the Miami Heat win the championship that year. The above scenario is an example of what

(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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answermeasured by how well she or he does the job'; /

answer production department;