Who issues a certificate of authority to enable an insurer to conduct insurance business within a particular state?

"“forty or fifty years ago, many people thought that simply transferring technologies from industrialized to developing countries would close the technology gap. now we know that technologies developed in industrialized countries may not be suitable for use in other environments. they may require a particular type of infrastructure to operate. they may need specialized parts or knowledge to mend when they break we now understand that innovative capacity must be built in different ways." - united nations secretary-general ban ki-moon based on the secretary general's comments, which of these would be most important for a country to improve? a) native literature b) transportation grid c) cultural traditions d) construction styles

Bonus question: according to wikipedia, in chinese philosophy yin and yang "describes how seemingly opposite or contrary forces may actually be complementary, interconnected, and interdependent." what are some examples from the story that amy tan may have intentionally incorporated elements of yin and yang philosophy into this story? select 2.

Multiple-choice the word "democracy" means: (a) "rule by the people" (b) "minority rule" (c) "individual rights" in a democracy, election results are protected against dishonesty by: (a) laws (b) customs (c) values the type of government in which the people are represented by elected officials is sometimes called a: (a) monarchy (b) republic (c) totalitarian state in most democracies, the only legal requirements for voting or holding public office are based on age, residence, and: (a) religion (b) citizenship (c) personal wealth in an election, political parties give voters a choice among candidates who tend to represent different: (a) ethnic groups (b) religious groups (c) interests and points of view