Plzzz help I’ll give brainliest and extra points

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

2points which excerpt from thomas paine's common sense best represents an attempt to appeal to ethos to persuade the reader? a. the infant state of the colonies, as it is called, so far from being against, is an argument in favor of independence. b. to talk of friendship with those in whom our reason forbids us to have faith is madness and folly. o c. oye that love mankind! ye that dare oppose, not only the tyranny, but the tyrant, stand forth! o d. i am not induced by motives of pride, party, or resentment to espouse the doctrine of separation and independence..

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