Colby and carleton own a business. most of their friends and colleagues would say colby, who manages the business on a daily basis, is down-to-earth and conventional in his thinking, while carleton is the "dreamer" and "big idea" partner, who is always coming up with new ways to promote and expand the business. regarding the five-factor model, colby would rate low and carleton would rate high on the dimension.

Colby would rate low on openness to experience, while Carleton would rate high on this dimension based on the five-factor model.

Since Colby’s thinking is conventional, he would most likely stick with the common and proven methods in handling a business, thus, the rationale on his low rating to openness to experience.

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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