How bees and other insects use electromagnetic waves for navigation,

It is with profound regret, therefore, that we present evidence of a previously unsuspected factor at work in honeybee navigation which renders all experimental work to date untrustworthy and of dubious value. Specifically, we will show that within every hive there is a "radio beacon" acting as a reference point for foraging bees. We question the widespread belief that many subtle environmental cues influence honeybee navigation, since these "influences" may simply be the result of inadvertent disturbances of the beacon signal caused unwittingly by the experimenters themselves.

emily ruth's annual premium is $1058.50

step-by-step explanation:

emily ruth is a female of 27 years age purchasing 20 year endowment insurance with face value $25000.

from the given table,

for females, the age of a male 3 years younger should be used.

so, we have to check for 24 year male for 20 year endowment.

it is 42.34 for every $1000 face value.

for a face value of $25000,

it is 25 * 42.34 = $1058.50

∴ emily ruth's annual premium is $1058.50

it takes about 30 days for it to break down