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Which term do historians use to describe the personal preferences that people have that affect their interpretation of events

Lloyd’s of london was one of the first institutions to offer insurance to merchants and joint-trade companies. a major part of the insurance system involved people who agreed to take responsibility for the insured losses in return for a fee. what were these risk-takers known as? a. joint-stock companies b. investors c. underwriters d. merchants e. capitalists

Why was the development of an alphabet an important advancement for the phonician civilization? check all that apply