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Mini-Case
The Bookworm is a bookstore and café located on a busy downtown main street in Denver.The owner,Waata Reader prides himself on the vast selection of books available in the shop.The store has three stories,with both stairs and an elevator to each level.In the back of the first floor is the café,which serves sweets and coffee drinks.Many times customers will linger there over a cup of coffee,deciding which book to purchase.Waata has expanded several times and now he has 22 people on the staff of the current,larger store.
-Bookworm sales have been down for the last year due to new competition from a national chain and Waata is understandably concerned.He recently called his insurance agent to see if this downturn in sales was covered by his business policy.The agent,Will D.the company would definitely cover Waata's losses. An uninsurable risk is one that no insurance company will cover.Examples of things that you cannot insure include market risks (e.g. ,losses that occur because of price changes,style changes,or new products that make your product obsolete) ;political risks (e.g. ,losses from war or government restrictions on trade) ;some personal risks (such as loss of a job,NOT a decrease in sales at the store) ;and some risks of operation such as a strike or equipment malfunction. B.Safe,told Waata:
Spiral Cleavage
A type of embryonic development in some molluscs and annelids where cells divide in a spiral pattern.
Anterior End
The front part or head end of an organism, usually where sensory organs are concentrated.
Head End
The anterior or front part of an organism, often containing the brain and sensory organs.
Common Ancestor
A hypothetical or actual species from which two or more descendant species evolved.
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