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______ occurs when a minority group is blamed for others' failures and shortcomings.
Face Amount
The nominal or stated value of a financial instrument or insurance policy, due upon maturity or death.
Covered Peril
A risk or event, such as fire or theft, that is specifically insured against under a policy, meaning the insurer has agreed to bear the risk and compensate the insured.
Declaratory Judgment
A court's ruling regarding the legal rights and obligations of the parties in a civil lawsuit, without ordering any specific action or awarding damages.
Prelitigation Payment
Payment made before a legal case is formally initiated, often to settle the matter outside of court.
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