An insured pays $1,200 annually for her life insurance premium. The insured applies this year's $300 worth of accumulated dividends to the next year's premium, thus reducing it to $900. What option does this describe?

affects the water bodies: excessive use of fertilizers causes eutrophication. the fertilizers which are used on plants affect the quality of land on which it is used, further causing erosion of soil. the fertilizers used on plants contain harmful chemical fumes which affect the environment.

it is a. i hope this .