Which of the following best describes how auto insurance companies manage risk?
a. high-risk drivers are not able to sign up for insurance
b. the insurance company balances low-risk drivers with high-risk drivers
c. the insurance company charges higher rates to higher-risk drivers
d. both b & c
e. all of the above

The arctic is a cold deset biome, which one of the answers is not correct? a) animals in cold deserts burrow to get out of the harsh climates. b) vegetation in cold deserts is normally shallow rooted small shrubs. c) animals in cold deserts hibernate most of the year to get out of the cold. d) soils are very heavy and course. e) the region receives less than 10 inches of precipitation annually.