On january 8, an applicant filled out and application for a life insurance policy but did not include the initial premium. the insurance company approved the application on january 14 and issued the policy january 15. the producer delivered the policy on january 26 and collected the first premium. when did the coverage become effective?

Emily naturally blinks whenever her sister pretends she is going to poke her in the eye. her sister, a psychology major, then decides to have a little fun. she pairs the word “psychology” (neutral stimulus) with pretending to poke emily in the eye (unconditioned stimulus), which automatically makes emily blink (unconditioned response). soon, emily blinks as soon as she hears the word “psychology.” when emily blinks when hearing the word “psychology,” even when her sister does not pretend to poke her in the eye, the word “psychology’ is now the

Which of the following methods could be considered a "best practice" in terms of informing respondents how their answers to an on-line survey about personal information will be protected? respondents are informed that investigators will try to keep their participation confidential; however, confidentiality cannot be assured.respondents are informed that a research assistant will transfer all the research data to a password-protected computer that is not connected to the internet, via a usb flashdrive. the computer is located in a research team member's office.the investigator uses the informed consent process to explain her institution's method for guaranteeing absolute confidentiality of research data.the investigator uses the informed consent process to explain how respondent data will be transmitted from the website to his encrypted database without ever recording respondents' ip addresses, but explains that on the internet confidentiality cannot be absolutely guaranteed.the investigator uses the informed consent process to explain how respondent data will be transmitted from the website to his encrypted database without ever recording respondents' ip addresses, but explains that on the internet confidentiality cannot be absolutely guaranteed

Which term describes a possible explanation of, or answer to, a scientific question that is based on prior knowledge or research and that is testable?