Anybody help please please, please be specific

Which factor has played the most important role in changing the way history is studied over time?

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

Explain how the roles of both working class and middle and upper class women changed during the industrial revolution. how did those changes lead to the women’s rights and suffrage movements?