Please help me history quiz!

Lloyd’s of london was one of the first institutions to offer insurance to merchants and joint-trade companies. a major part of the insurance system involved people who agreed to take responsibility for the insured losses in return for a fee. what were these risk-takers known as? a. joint-stock companies b. investors c. underwriters d. merchants e. capitalists

What were the terms behind germany's surrender during wwi?

What was true about sharecropping? a. landowner provided free tools and seeds.b. workers could leave the land if they failed to make money.c. landowners often took advantage of workers.d. workers received ownership of the land they farmed after a set number of years.