Grandparents plan to open an account on their grandchild's birthday and contribute each month until she goes to college. how much must they contribute at the beginning of each month in an investment that pays 7%, compounded monthly, if they want the balance to be $100,000 at the end of 18 years?

(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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answer; the correct answer to the above statement is (true);

answer; ///i believe the correct   answer is (e) transformational;