When assessing the value of a business, is most important.

Explanation:

There are many factors that constitute the value for a business. These factors include the financial aspects like Revenues, Profits, other aspects like Sales, Customers' loyalty and satisfaction, Production equipment, Inventory, Assets, Human Resources, etc. All such resources make up the value of the business. From monetary point of view, the most important value that a business can be assessed from is Profit that a company earn during a fiscal year, and from intangible values, Customer loyalty and satisfaction is the most important value that a business can be assessed from.

(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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(b) management: leadership