What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained? state guaranty association fair labor standards board fair credit reporting act national association of insurance commissioners?

After graduating from college with a degree in education, matt found a teaching jobin saudi arabia. he figured that a teaching job in the middle east would be the same as a teaching job in the united states. while there were similarities between american and saudi schools, matt was unprepared for the differences between the two cultures. on the first day, a number of his students arrived later than the class's designated 10 a.m. starting time. later, during a break, he noted that his students seemed to stand closely to each other and to him when they spoke. after class, a confused matt asked the american director of the teaching program about these observations. that's why it's always important to do your homework! the director responded with a laugh. what is the possible explanation that director could gave him?