Wouldn’t a country be better off with fewer retail outlets? after all, with fewer stores, consumers would not waste money making impulsive purchases, and they would save more.

answer; i do believe that the correct answer is (d) referrals from

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

i really hope this answer you out! it makes my day people like you and giving back to the community that has me through school! if you could do me a favor, if this you and this is the very best answer and you understand that all of my answers are legit and top notch. mark as brainliest! and have a awesome day!

answer; specific performance;