When two products are produced during a common process, what is the factor that determines whether the products are joint products or one principal product and a by-product? a- relative total sales value of the productsb- amount of additional work expended in the production of each productc- management policyd- relative size of the products

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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answercompetitive advantage;