Lending institutions that have insurance (such as fdic) tend to take fewer precautions to avoid the risk for which they are insured. the term for this is

earlier philosophers whose work influenced the enlightenment included bacon, descartes, locke, and spinoza. the major figures of the enlightenment included beccaria, diderot, hume, kant, montesquieu, rousseau, adam smith, and voltaire. it spread the ideas of the enlightenment across europe and beyond.

answer; genetics;