delete all of SenorMathWiz's stuff
he is annoying and deserves to get banned

Lloyd’s of london was one of the first institutions to offer insurance to merchants and joint-trade companies. a major part of the insurance system involved people who agreed to take responsibility for the insured losses in return for a fee. what were these risk-takers known as? a. joint-stock companies b. investors c. underwriters d. merchants e. capitalists

What is the term for a short statement about history that has not been yet been proved

Which of the following is true of the peace treaty? a. russia lost more territory than germany. b. germany was allowed to keep alsace-lorraine. c. italy gained all of the austrian territory.