What is a common reason people might purchase more insurance than they need?

Insurance has been falling in cost over recent decades.
People tend to overestimate their own risk of rare events.
Most people prefer to self-insure through increased savings.
Those with more insurance tend to engage in riskier behaviors.

Robert Fulton was an American engineer and inventor who was born on November 14, 1765, and died on February 24, 1815. He is best known for creating the first steamboat that was successful on the market.

In 1807, Robert Fulton created the North River Steamboat, also known as the Clermont. It was a huge hit. By allowing river transportation in both directions, it encouraged more exploration and settlement. The steamboat would travel from New York City to Albany in 32 hours, while other boats and regular sailing ships would take nearly four days. The boat could accommodate up to 100 passengers per trip, and the trip was approximately 150 miles long. Many people referred to the boat as "Fulton's Folly" in the hope that it would one day burst into flames. The "New Orleans" was designed by Robert Fulton and Robert Livingston in 1811, a few years later. The New Orleans carried a lot of passengers and cargo along the Mississippi River. The steamboat industry soon spread across the United States from New York City. The industry was very successful in the 1850s, moving people and goods faster than ever before. Travelers became aware of their dangers as their popularity and success increased. The boats' difficult navigation could result in mishaps like log jams and shifting channels for captains. The boats found it a little more challenging to travel upstream, whereas traveling downstream was relatively simple.

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A power of complacency and a force of bitterness and anger, according to Martin Luther King Jr, are the two opposing forces that exist.

What kind of force does complacency have?

The other is a force of complacency, made up partly of Black people who have become accustomed to segregation due to a lack of self-respect and a sense of "somebodies" as a result of many years of oppression, as well as a small number of middle-class Black people.

King talks about the power of complacency, power of resentment, and power of hatred to illustrate how tyranny has impacted the black community.

Therefore, "Obeying just rules is not only required by law, but also by morality.

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British Prime Minister Winston Churchill once referred to the hypothetical wall dividing communist nations from democracies as an iron curtain.

The political ideologies on which the democratic and communist systems are distinct. Though on the surface they appear to adhere to the "power to the people" principle, the two forms of government in fact fundamentally alter the way that society's economic and political fabric is organized. In order to eliminate economic disparity, communism advocates for the government to seize total control of the nation's capital and industries. On the other hand, a democracy upholds people's right to property ownership and the means of production.

A democracy's political environment differs greatly from a communist regime's. People are allowed to create their own political parties and run for office in democratic elections that are fair to all contenders. In contrast, political disagreement is not permitted in a communist society when one political party controls the government.

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In honour of Elizabeth I, the Queen, the Virginia Company of England made a risky proposal: sail to the uncharted, mysterious land and start a settlement there. On May 14, 1607, they founded Jamestown, Virginia, the first permanent British settlement in North America.

The first colony was established in 1607 at Jamestown, Virginia. Many immigrants to the New World sought refuge there from religious persecution. In 1620, the people who would later build Plymouth, Massachusetts, arrived. The colonists prospered in both Virginia and Massachusetts with some help from Native Americans.

The complete question is-

Who founded the England's first permanent colony in North America in 1607?

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Overproduction was made worse by the widespread use of farm machinery. By this time, tractors were a fairly standard piece of farm equipment in America.

Among the lean manufacturing overproduction examples are: production schedule instability. incomplete demand data and forecasting accuracy. warehouses and manufacturing facilities with an overstaff.

A demand for larger-than-needed manufacturing runs or product batches because of lengthy setup procedures placing an order for more materials than is required. preparing for messed-up manufacturing flows. departments, cells, or phases of production that are out of balance

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The pit dwellings were usually built in a circular or oval shape and ranged in size from 5 to 15 meters in diameter. They included a hearth for cooking and heating as well as a storage area.

Jomon people used natural materials such as bark and grass to build the walls and roofs of their dwellings. The roofs were usually covered with soil and grass to provide insulation. The homes were very sturdy and could last for years.  The Jomon period is generally considered to be one of the longest-lasting prehistoric cultures in the world and the pit-dwelling style of houses was a key feature of their life.

This style of housing allowed the Jomon people to remain in one place for extended periods and allowed them to develop their culture and traditions.  The pit dwellings of the Jomon period are still present in parts of Japan today and are considered an important part of the country's cultural heritage.

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Answer:

Harriet Tubman was an African American abolitionist and humanitarian who played a crucial role in the Underground Railroad and the Civil War. Born into slavery in Maryland, she escaped in 1849 and subsequently made 13 missions to rescue approximately 70 enslaved people using the network of antislavery activists and safe houses known as the Underground Railroad. During the Civil War, she served as an armed scout and spy for the Union Army and helped to liberate more than 750 enslaved people. After the war, she was active in the movement for women's suffrage. Tubman's legacy continues to inspire and influence people today, as a powerful example of resistance against oppression and injustice.

The statement that is best supported by text evidence from the excerpt from "Tools of the Spymaster" is that The Americans lacked the mask necessary to read General Clinton's letter. The correct option is D.

According to the excerpt, it is stated that General Clinton worries about General Howe's plans and deeds and writes a letter to General Burgoyne about the matter while hiding his identity.

Furthermore, we were told that General Burgoyne would be able to decipher the letter's contents even if it were intercepted by American forces because it contained a lot of false information intended to mislead them and lead them astray.

In conclusion, the correct option is D

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Read the excerpt from "Tools of the Spymaster."

Which statement is best supported by text evidence from

the excerpt?

General Clinton, concerned about what General Howe was

planning and doing, made use of a mask to write a secret

message in a letter to General Burgoyne.

Before writing the letter, Clinton had placed an hourglass-

shaped mask on a piece of paper and then had formed the

secret message within that shape.

O General Howe was embarrassed by his mistake.

O General Clinton hoped that General Burgoyne could

help him.

O The Americans read General Clinton's letter to General

Burgoyne.

O The Americans did not have the mask to read General

Clinton's letter

The unmasked letter had enough false information in it to

fool any American who happened to see it. But when

Burgoyne viewed the letter with the mask, he read

Clinton's view of the real situation: Howe has made a bad

move; I don't have enough men to do anything about it.

The Spanish crown initially disapproved of O'Donoj's declaration of Mexican independence, it is today accepted that the country officially broke away from the old country on August 24, 1821.

Beginning with Mexico's Independence Day, a ten-year revolution has been underway. This festival, which is frequently confused with Cinco de Mayo in the United States, commemorates Father Hidalgo's appeal for Mexico's independence from Spain in September 1810.

Mexican independence from Spain was achieved by an armed war known as the Mexican War of Independence . Local and regional conflicts that took place during the same time frame and can be regarded as a revolutionary civil war were not one continuous, cogent occurrence.

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From the statement the Judicial review is the principle that is being talked  if two laws conflict. It is  the power of the court to declare a legislative or executive act unconstitutional.

The power of a court to examine a statute, treaty, or administrative regulation for constitutionality or conformity with a higher law is referred to as judicial review. The judicial branch of the government has the authority to determine whether or not government actions are constitutional.

Even though the Indian Constitution does not use the term "judicial review," the written document implicitly grants the Indian Judiciary that authority. Any laws that go against the Fundamental Rights or go against them will be invalid.

Question is incomplete:

Read the excerpt from Marbury v. Madison below.

If two laws conflict with each other, the Court must decide on the operation of each.... [T]he Constitution..must govern the case to which they both apply.

The excerpt describes

the principle of judicial review.

the balance of power between branches.

the system of checks and balances.

the limitations of the Supreme Court's power.

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This piece of evidence suggests that the person speaking, who is a slave, has shared their status with an Irishman who was apparently moved by the situation.

This passage is describing a conversation between a person (the speaker) and an Irishman. The Irishman expresses sympathy for the speaker's status as a "slave for life," suggesting that he believes it is unfortunate for someone as young and small as the speaker to be in this position. By describing them as a "fine little fellow", the Irishman expressed regret that they would be slaves for life. The statement implies that slavery was a prevalent issue at the time and that the Irishman was aware of its existence and its negative impact on individuals like the speaker. It also implies that, despite being a slave, the Irishman perceives the speaker as a valuable and capable individual. The statement serves as a glimpse into the attitudes towards slavery during the time period and the differing perspectives that individuals held on the issue.

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The Immigration Act of 1924 limited the number of immigrants allowed entry into the United States through a national origins quota.

The literacy test alone was not enough to prevent most potential immigrants from entering, so members of Congress sought a new way to restrict immigration in the 1920s. Immigration expert and Republican Senator from Vermont William P. Dillingham introduced a measure to create immigration quotas, which he set at three percent of the total population of the foreign-born of each nationality in the United States as recorded in the 1910 census. This put the total number of visas available each year to new immigrants at 350,000. It did not, however, establish quotas of any kind for residents of the Western Hemisphere.

President Wilson opposed the restrictive act, preferring a more liberal immigration policy, so he used the pocket veto to prevent its passage. In early 1921, the newly inaugurated President Warren Harding called Congress back to a special session to pass the law. In 1922, the act was renewed for another two years.

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Answer:Egyptian civilization developed along the Nile River in large part because the river's annual flooding ensured reliable, rich soil for growing crops.

Jamestown and Plymouth both faced problems in their first year. Plymouth settlers were friendlier with native Americans than Jamestown.

Which of the following is the most accurate comparison of the Jamestown and Plymouth settlements?

In the early years of their settlements, both brought entire families. Both came seeking the freedom to worship as they saw fit.

One similarity is that each colony experienced a high number of deaths following the winter. One distinction is that the Plymouth colony had a positive relationship with the Native Americans, whereas Jamestown did not.

Therefore, Another distinction is that the two colonies arrived for different reasons.

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Father Hennepin was alarmed when he first saw Niagara Falls, according to Megan Stine.

The American Falls and the Canadian or Horseshoe Falls are located on opposite sides of the Niagara River, which serves as the border between New York and Ontario, Canada. Niagara Falls is the collective name for both of these waterfalls.

Negative ions found in nature, such as those found in waterfalls, have been demonstrated to help certain people's breathing as well as their mood and stress levels. The sheer volume of rushing, falling water creates a huge release of negative ions into the atmosphere above Niagara Falls.

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Answer: Southeast Asia contains the highest number of Muslims in the world, easily surpassing the Middle East and North Africa.

Explanation:

please mark brainiest

Answer:

b

Explanation:

Answer:

A

Explanation:

it was formed in 1945 after world war 2

False: By 565 the Byzantines had conquered all the lands of the former Western Roman empire.

True: Between 565 and 1360 the Byzantine empire expanded.

False: The first lands Byzantines lost included all their territory in Africa.

False: Christian crusaders attached christian Constantinople.

True: Normans, franks , slaves, and Arabs invaded the empire.

False: Invasions were the only challenge to the Byzantine empire.

True: The capture of Constantinople marked the end of the Byzantine empire.

False: The Byzantine empire fell to Arab invaders.

The Byzantine Empire was destroyed once and for all in 1453 CE, when the Ottoman Empire used cannons to breach the walls of Constantinople and seize control of the capital city. Constantine XI, the last Byzantine Emperor, was killed in the battle.

The fall of the Byzantine Empire signaled the start of hundreds of years of Ottoman rule over the Eastern Mediterranean and Balkans. Following that, the Ottoman Empire would wage wars against European countries and define the lives of millions of its subjects. It also paved the way for Islam to spread to Eastern Europe; as a result of this historical event, countries such as Bosnia, Kosovo, and Albania now have sizable Muslim populations.

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During the Agricultural Revolution, the introduction of new agricultural tools and Selective livestock breeding led to a major increase in farm production in England.

Selective livestock breeding can be defined as the way of breeding animals so as to remove some traits or characteristics.

Famers tend to make use of selective breeding when they want to eliminate some characteristics so as to develop a specific traits.

On of the advantage of Selective breeding  is that it help to increase the life span of animals.

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Hammurabi was the king of Babylon from 1792 to 1750 BC.

He is best known for his legal code, which is one of the oldest known legal codes in history. The code consists of 282 laws that cover a wide range of topics, including property rights, trade, and family law. The laws were engraved on a large stone stele, which was discovered in 1901 and is now housed in the Louvre Museum in Paris. The code is notable for its harsh punishments, which often included the death penalty or mutilation for serious crimes, but also for its emphasis on social justice and the protection of the weak and vulnerable.

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The statement that correctly contrasts the experiences of Africans and indigenous peoples in Spanish territories in the New World is that C. Colonists developed a caste system in which indigenous peoples were treated with nearly as much respect as Europeans, while free Africans were treated little better than slaves.

A caste system is a system of class distinctions based on birth. In general, it means that depending on the family you were born into, you may have access to fewer chances in various civilizations. Although the term "caste system" only appeared in the 1840s, we have been using the word "caste" since the 1500s.

Native Americans received roughly the same level of respect as Europeans from colonists, while free Africans were treated no better than slaves.

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What does your Fourth of July mean to an American slave? I respond that today, more than any other day of the year, makes clear to him the egregious unfairness and brutality of which he is a continuous victim.

Hence, option (d) is the correct choice.

In addition to attempting to persuade people that slavery was immoral, Frederick Douglass also worked to increase Northern whites' acceptance of abolition. Metropolitan Museum of Art, Frederick Douglass, ca. 1855.

According to Douglass, the country's founders were great individuals because of their commitment to freedom. But by pointing out that slavery still exists in America, he exposes the hypocrisy of their ideas.

The Fourth of July commemorates the Continental Congress' adoption of the Declaration of Independence on July 4, 1776. The 13 colonies in North America were officially declared to be politically independent of Great Britain by the Declaration.

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The central thesis of "What to the Slave is the Fourth of July?" is that black people in the United States should get equal status and respect. The right response in this case is option A.

In the speech, Frederick Douglass, an escaped slave, and abolitionist point out the hypocrisy of the United States celebrating its independence while simultaneously allowing the institution of slavery to continue.

He argues that the Declaration of Independence's statement that "all men are created equal" does not apply to enslaved African Americans and that they are denied the rights and freedoms that white Americans enjoy.

He calls on the audience to recognize the injustice of slavery and work towards ending it, he claims that black people deserve equal treatment and status in the United States, He also highlights the harm that the tradition of slavery has caused to the black population.

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'He painted about the Second World War'. This statement about Pablo Picasso is a fact (true).

Who was Picasso?

Pablo Picasso (1881-1973) was a Spanish painter, sculptor, printmaker, ceramicist, and stage designer who is widely regarded as one of the most influential artists of the 20th century. He was best known for co-founding the Cubist movement and for the wide variety of styles embodied in his work. He was also an avid draftsman, and many of his works are considered masterpieces of the genre.

Pablo Picasso was a Spanish artist who lived through and was deeply impacted by the Second World War. He was moved to express his personal feelings of the turbulent times in his artwork. Picasso created several works of art that depict the horrors of the war, such as his famous painting, "Guernica," which expresses his outrage about the bombing of a Basque town in Spain during the Spanish Civil War.

Hence, option C is correct.

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This is an instance of syncretism, which is the fusion of two or more religious or cultural systems of belief. The Spanish colonial rulers forced Christianity on the Mayans, but they also incorporated their own old religious practises.

This is an illustration of the process known as syncretism, in which two or more religious or cultural systems combine to create a new system. The Maya Indians of Guatemala and Mexico were obliged to accept Christianity by Spanish colonial rulers, but they did so by adapting it to their own religious customs and beliefs. Syncretism is the term for this process of integrating Christianity with their customary behaviours and beliefs. The Christian saints were classified as their old Indian gods, which the Maya already had in their own religion, and were adopted into their pantheon. As a result, the Maya were able to maintain their traditional religion while being compelled to convert to Christianity by Spanish colonial authority.

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Forced relocation to northern cities was not an effect of racism experienced by African Americans at the turn of the twentieth century.

The majority of Black Americans claim to have been the victim of racial prejudice. In terms of racial discrimination, almost 81 percent of African Americans with some college experience claim to have experienced it, and 17 percent claim to do it on a regular basis. In contrast, just 9% of respondents who have completed high school or less report frequently coming into contact with racism. 69% of poll participants with this level of education or less claim to have experienced racial prejudice.

Additionally, Black persons with higher levels of education report more instances of specific racist actions than Black people with lower levels of education. These behaviors include coming across individuals who act suspiciously around them, receiving treatment that makes them feel less intelligent, and coming across racist epithets or jokes.

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By erecting strategic protective barriers against potential expansion, Europe's major powers manipulated territory to lower the probability that France could again threaten the continent's stability.

The newly expanded kingdom of the Netherlands was to the north of France, Piedmont was expanded in the southeast, and Prussia was strengthened in the east by receiving areas along the east bank of the Rhine.

Following the Napoleonic Wars, the Concert of Europe developed a system of ideas, regulations, and procedures that assisted in keeping the balance between the great powers and prevented Europe from entering into another protracted war.

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Hernán Cortés conquered the aztecs of mexico in 1521. Tenochtitlan was destroyed by Cortés, who then built his own city on its remains and annexed the Aztec Empire as New Spain.

A tiny army under the command of Hernán Cortés (1485-1547) took Mexico from the Aztecs not long after the Spanish colonized Cuba in 1519. Cortés initially attacked towns, then won their support. Communities that had been ruled by the Aztecs, who already had imposed harsh taxes and used human sacrifice, were especially important. Many people in the Aztec Empire eventually came to think that Cortés was Quetzalcoatl, the god who would one day come back to dethrone the idol Tezcatlipoca, who required human sacrifice. La Malinche or Malintzin, an Indian woman who helped Cortés, served as his mistress, confidante, and vital interpreter. What followed is uncertain.

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Vasco Da Gama's discovery of the maritime route to India ushered the Portuguese to construct a long-lasting colonial empire stretching from Africa to Asia.

Vasco da Gama was a Portuguese explorer who was the first European to sail to India. His first trip to India via the Cape of Good Hope (1497-1499) was the first to connect Europe and Asia via an ocean route that connected the Atlantic and Indian oceans.

This is often regarded as a watershed moment in world history, as it signalled the start of a sea-based period of global multiculturalism.

On May 20, 1498, Vasco Da Gama arrived in Calicut after years of sailors trying to reach the Indies, losing thousands of lives and dozens of ships to shipwrecks and pirate raids. The Portuguese Empire's economy, which had previously been based in northern and coastal West Africa, benefited from unrestricted access to the Indian spice trade.

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The steam engine is considered to be the greatest symbol of the Industrial Revolution, as it ushered in a new era of technological advancement and ushered in the transformation of manufacturing.

Among its many contributions, the steam engine allowed for the mass production of goods and helped to drive down costs, facilitating trade and commerce. It also created new job opportunities, as it allowed for the mechanization of many manual labor jobs.

Additionally, it helped to revolutionize transportation, as steam powered locomotives allowed for the quick and efficient transport of goods and people.

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The first mission to round the globe was led by Portuguese adventurer Ferdinand Magellan (1480–1521), who is credited with organizing it.

Magellan, who was a great explorer and navigator, was born in Portugal. By traveling over the Atlantic Ocean, he intended to arrive at South-East Asia, where gems and spices were grown. In order to sail from the Atlantic to the ocean beyond the Americas, he hoped to locate a passage across South America (now known as the Pacific). In 1519, he sailed from Spain with five ships and roughly 260 soldiers.

Magellan only accidentally discovered the strait that bears his name. The soldiers thought they would be sunk on the shore when two of his ships were pushed near land by a storm. They saw a small opening in the coastline barely in time. They had been looking for this passage ever since they left their house.

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