How did the political reforms of initiative, referendum, and recall make state governments more responsive to the public?

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

Which is not characteristic of capitalism? a) market e-commerce b) supply and demand c) freedom of competition d) a society without social classes

Which statement best explains why a supreme court opinion is a seminal document? an opinion can become quite lengthy, which makes it a seminal document. supreme court documents are the only seminal documents in the united states. an opinion may create major changes in the laws or policies of the united states. generally speaking, a supreme court opinion reflects the feelings of all americans.