Insurance, retirement funds, and investing came about: A)When British sea-trade developed and concern arose for families left in England.

B)When bankers in Venice realized the profit they could make by insuring trade ships.

C)When the Reformation in the Netherlands got people thinking less about death and spiritual salvation, and more about protecting their assets here on this earth.

D)When capitalism took hold in the Netherlands and the practice of investing and free trade took hold of the banking industry there.