Use the following figure to answer the question. 
Which ecosystem, if completely converted by humans to cultivated land, would have the largest negative impact on total NPP?
Definitions:
Insurance Agent
A professional who sells insurance policies to individuals, advising them on various insurance products and assisting with claims processing.
Contractual Aspects
The various legal elements and considerations of a contract, including formation, performance, breach, and remedies.
Agency
A relationship where one party, the agent, is authorized to act for another, the principal, in legal or business matters.
Insured
A person or entity covered by an insurance policy, protecting against loss or damage from specific risks or incidents.
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