Derek, an employee at ferns tech inc., has filed a lawsuit against his employer. he claims that after the introduction of an affirmative action plan at the workplace, his employer has mostly been promoting female employees at work, even if they are less qualified for the job than he is. this may be an example of

(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; foreign exchange transaction;