Pls help I am confused !

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

During the growth of colonial america, people saw the need for a colony between south carolina and the spanish in florida. james oglethorpe and 19 settlers were told to start the colony of georgia. which coastal city did oglethorpe and his settlers found? a. jamestown, virginia b. savannah, georgia c. st. augustine, florida d. atlanta, georgia

One purpose of the declaration of independence was to