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Accident - Answer A sudden & unexpected event which occurs at a specific time & place. In easy-to-read policies, also includes loss which occurs over a period of time. Actual Cash Value (ACV) - Answer The cost to replace an item of property at the time of loss, less an allowance for depreciation. Often used to determine amount of reimbursement for a loss. Additional Living Expense - Answer A Coverage designed to reimburse the insured for an increase in living expenses nec...

A hazard is best defined as: - Answer Something that increases the chance of loss What is the term for a cause of loss, such as theft of a car? - Answer A Peril A state requiring that the commissioner agree that a company's rates are appropriate before they are made effective used which type of rating approval? - Answer Prior approval The following are all true regarding risk management, except: - Answer Insurance is designed to cover both intentional & uninte...

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cascade range volcanoes are active - Answer rule of thumb: if volcano had significant glacial erosion, it had not erupted since end of last ice age and probably wouldn't erupt again sit over subduction zone therefore active Active or extinct - Answer not dormant on geological time scale Mt. St. Helens 1980 - Answer -magma rising, puff of ash, volcano flank landslides so pressure released on team in magma initial lateral blast blast rapidly grows. mudflows - Answe...

Which of the following is a potential consequence of a large asteroid impact? A. Tsunami B. Earthquake C. Wildfire D. All of the Above - Answer D. All of the Above The Scientific Method typically develops in order as follows: A. Question - Observation - Research - Data - Experiment - Hypothesis - Conclusion B. Observation - Question - Research - Hypothesis - Experiment - Data - Conclusion C. Research - Question - Observation - Data - Experiment - Hypothesis - Conclusion D. Hypot...

Which of the following do NOT typically form volcanoes? A) Divergent B) Hotspot C) Subduction zone D) Transform - Answer D) Transform Where do the largest earthquakes occur? - Answer subduction zones (convergent boundaries) Which part of the earth is more liquid A) Lithosphere B) Asthenosphere - Answer B) Asthenosphere Which type of boundary creates subduction zones? A) Convergent B) Divergent C) Transform - Answer A) Convergent Which type of boundary...

Wild fires are natural. True or false? - Answer True What are the natural purposes of wildfires? - Answer -Naturally thins forests -Leaves larger trees -Promotes diversity in undergrowth -Some species depend on fire to trigger seed opening/germination What do you need to start a wildfire? - Answer The fire triangle 1. Oxygen 2. Heat 3. Fuel What is combustion? - Answer A chemical reaction that results in release of heat and light What are the 3 methods o...

An ecosystem consists of two components that occur in the same locale. Which of the following are the two components? - Answer Biotic & Abiotic Seven major types of Terrestrial ecosystems exist. The location is usually dependent on two major factors. What are those factors? - Answer Latitude and precipitation The three types of Ocean ecosystems that exist are Shallow, Deep, and Deep Ocean Surface. - Answer True Biotic components are non-living factors of an ecosystem. ...

An ecosystem consists of two components that occur in the same locale. Which of the following are the two components? - Answer Biotic and abiotic Seven major types of Terrestrial ecosystems exist. The location is usually dependent on two major factors. What are those factors? - Answer Latitude and precipitation The three types of Ocean ecosystems that exist are Shallow, Deep and Deep ocean surface. - Answer True Biotic components are non-living factors of an ecosystem....

Volcanic Mudflows - Answer - Form when ash combines with water primarily on stratovolcanoes, and pours down their flanks at high speeds. Similar to very wet concrete. People are often killed by the boulders carried by the flows. - You can't outrun it - Climb up the valley side for safety. Lahars - Answer - A hot mudflow. Mt. Rainer - Answer - Poses serious mudflow risks for Seattle-Tacoma area. - Stratovolcano. - Every 500 years, on average large mud lows reach 100...

Methane Ch4 - Answer Simplest hydrocarbon, main ingredient in natural gas. Extremely effective absorber of radiation How Petroleum and natural gas was formed - Answer Tiny animals and plants died and were buried on the sea floor. Over millions of years, the remains were buried deeper and deeper. The plant and animal remains turned into oil and gas deposits. Shale - Answer A classic sedimentary rock that is made up of clay-size weathering debris. It typically breaks into t...

Why did such a large number of people die as a result of the 2010 Haiti earthquake compared to other recent large earthquakes such as the 2011 Tohoku Japan earthquake? - Answer Many buildings in Haiti were unreinforced masonary and collapsed during the earthquake. In Figure 1-3 in the book, which three hazards cause the most natural hazard related fatalities? - Answer Winter weather, heat and drought, flood Natural hazards happen completely independently from each other. - Answ...

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D - Answer 1. Four types of muscles in the intestine are: a. smooth, contractile, striated, and layered. b. voluntary, involuntary, sequential, and rhythmic. c. tonic, periodic, autonomic, and propulsive. d. longitudinal, circular, sphincter, and mucosal. A - Answer 2. An important role of mucus in the stomach is to: a. protect the stomach wall from digestion. b. provide an acid environment for protein digestion. c. provide enzymes for protein digestion. d. prevent reg...

The rhythmic contractions that propel food through the intestinal tract are called: 1. segmentation. 2. peristalsis. 3. cardiospasm. 4. pendular movements. - Answer 2. peristalsis. The substance that allows lipoproteins to carry lipids in the blood is: 1. phospholipid. 2. cholesterol. 3. chylomicrons. 4. glycerol. - Answer 1. phospholipid Diets that contain less than 10% of kcalories as fat are not recommended because: 1. intake of carbohydrates would be too high. 2. ...

What drives food choices? - Answer • Taste and enjoyment are the primary drivers • Food availability and culture • Habit • Advertising • Food trends • Limited time • Convenience • Emotions • Perception of healthy and unhealthy Nutrition - Answer The science that studies how nutrient and compounds in food nourish the body and affect body functions and overall health Good Nutrition - Answer • Reduces the risk of the leading causes of death • ...

A primary function of vitamin E is to serve as A. an antioxidant B. a hormone C. a peroxide D. a coenzyme - Answer A. an antioxidant Excess amounts of most fat-soluble vitamins are A. stored in the liver as adipose tissue B. excrete via the kidneys C. stored in the pancreas D. readily excreted - Answer A. stored in the liver or adipose tissue The nutrient that can be considered both a vitamin and a hormone is vitamin a. E. b. K. c. D. d. A. - Answer c....

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How does the word lip change when the last sound is replaced with /t/? -The word becomes tip. -The word becomes lit. -The word becomes lap. -The word becomes lot. - Answer The word becomes lit. How can semantic organizers be used to enhance comprehension of complex vocabulary in a text? -By creating a visual web that connects the new vocabulary to known words and concepts -Encouraging students to skip over words they do not understand to maintain reading fluency -Instructing ...

Four Part Processor - Answer Model for word rec. Phonological Processor - Answer Sound structure of words Orthographic Processor - Answer Visual rep of words. Spelling, letter patterns Semantic/Meaning Processor - Answer Meaning of words. Definition Context Processor - Answer Meaning of words based on surrounding texts and overall situation. Phonemic Awareness - Answer Identify, blend and manipulate individual phonemes essential for decoding and...