According to the textbook, the only way to know if your product or service is what people want is by talking to them library, internet and gumshoe research surveying them conducting brainstorming sessions interviewing industry experts

conducting brainstorming sessions

Explanation:

When the product or service is required by people, patronage would increase. This can be confirmed by vallidating the rate of demand, which might be in a form of conducting a brainstorming sessions. This is generally done by the customer service department.

(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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being born in poverty would limit the people's chances, opportunities and benefits.

this happen because of several things, such as:

- poor people tend to gain less access to good education and nutrition. this mean that their chance to obtain high paying jobs would also be limited.

- poor people tend to socialize with other poor people while the rich tend to socialize with other rich people. this means that simply throguh their social circle, rich people would have more business opportunities compared to the poor people.

- rich people tend to have more capital in their disposal. this would benefit them in business since it is far easier for them to fund their business operation compared to poor people.