Arestaurant owner leased a meeting room at the restaurant to a second party. the lease specified that the second party, not the restaurant owner, would be responsible for any liability arising out of the use of the meeting room, and that the restaurant owner would be "held harmless" for any damages. the restaurant owner's use of the hold-harmless agreement in the lease is an example of

Non-insurance Transfer

Explanation:

Non - insurance Transfer -

Non - insurance transfer is also referred to as a contractual risk transfer .

It refers to the transfer of the risk from one party to other than any insurance company , is referred to as the non - insurance transfer.

In this case , the amount of risk is covered by the contracts rather than the insurance.

Hence, from the given scenario of the question,

The correct term is non - insurance transfer.

panem is a communist totalitarian dictatorship where all the resources and how they are allocated belongs to the capitol. the districts exist only to provide goods and services for the capital and most of the citizens live in poverty. it is a police state where the "peacekeepers" use force and threats to keep the people under control. dissent is outlawed and those who disobey the law are executed, flogged, or turned into avoxes. the games are another means in which the ruling elite in the capitol exert their power over the districts. when reading the books i drew parallels between panem and the soviet union and north korea. in no way is panem capitalist. the people in the capitol are wealthy but the majority of them are involved in the government somehow. it was the same way in the former soviet union where bigwigs in the communist party and high ranking government officials were given access to goods, services, medical treatments not available to the general public. if you think panem has a capitalist economy you need to brush up on your economics.  

answer; negative punishment;