Examlex
Which of the following statements is (are) true with respect to the use of credit-based insurance scores as an auto insurance rating factor?
I.Insurers claim that drivers who have poor insurance scores are expected to have relatively more accidents.
II.The use of insurance scores has been banned as a rating factor in all states as it unfairly discriminates against certain groups of individuals.
ACTH Secretion
The release of Adrenocorticotropic Hormone by the pituitary gland, stimulating cortisol production in the adrenal glands.
Unhelpful Thought Patterns
Cognitive processes that are negative or destructive, often contributing to psychological distress.
Rational-Emotive Psychotherapy
A form of cognitive-behavioral therapy focusing on identifying and changing irrational beliefs to alter emotional and behavioral responses.
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