Experience rating utilizes in determining the rate the insurer will charge for group coverage in each year of coverage.

Situation #2: imagine that you are a newspaper editor in columbus, oh in 1863. the civil war has been dragging on for more than two years already and shows no signs of ending soon. you are aware that many black males are willing to enlist in the union army but you fear that they may be mistreated and abused by the majority of soldiers on either side in this war. write a one-page letter (double spaced) editorial for tomorrow's edition of the newspaper. the topic is military service in the union army by free african american males. in your editorial, take a clear position for or against having black men join the fight. be sure to give reasons for whatever position you choose to take.

The banking act of 1933, also known as the glass-steagall act, established the federal deposit insurance corporation (fdic), which a protected banks from failure by ensuring that the government would bail them out if necessary. b required american taxpayers to establish an account with a commercial bank. c protected depositors from financial losses when banks failed.

According to this map, which of these statements about cuban economic activity is true? a) coffee is not a valuable commodity in cuba. b) cattle ranching is found only in the western half of cuba. c) tobacco is grown in most areas of the country. d) manufacturing is limited to mostly the southern coast.