Based on the following energy diagram,is the following reaction exothermic or endothermic? 
Definitions:
Wage Replacement
A form of benefit that compensates for income lost due to temporary disability, unemployment, or other reasons preventing a person from working.
Health Maintenance Organization (HMO)
A type of managed care operation that is typically set up as a for-profit corporation with salaried employees; group insurance that entitles members to services provided by participating hospitals, clinics, and providers.
Group Insurance
An insurance plan that provides coverage to a group of individuals, typically employees of an organization, under a single policy.
Participating Hospitals
Medical facilities that agree to provide services under certain insurance plans or health programs.
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