Brainscape's Knowledge GenomeTM

Browse over 1 million classes created by top students, professors, publishers, and experts.


See full index

Property & Casualty Exam > Final Exam > Flashcards

Final Exam Flashcards

1
Q

Under the Building and Personal Property policy, the mortgagee is entitled to:

Select one:

a.
Payment as per the mortgagee’s interest at the time of loss

b.
45 days notice of cancellation for nonpayment of premium

A

Payment as per the mortgagee’s interest at the time of loss

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
2
Q

The Building and Personal Property policy covers:

Select one:

a.
money, stocks and bonds

b.
outdoor furniture

c.
autos held for resale

d.
pets

A

Outdoor furniture

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
3
Q

The other insurance clause upholds the principle of:

Select one:

a.
indemnification

b.
risk

A

Indemnification

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
4
Q

Molly’s state requires 25/50/10 auto liability insurance. Molly is involved in an accident with an at-fault driver who only has 15/30/5 coverage. Molly is protected by her:

Select one:

a.
underinsured motorist

b.
uninsured motorist

A

Uninsured motorist

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
5
Q

Which of the following CANNOT be covered with a CPP?

Select one:

a.
Products Liability

b.
Independent Contractors Liability

c.
Employer’s Liability

d.
None of the above

A

Employer’s liability

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
6
Q

If my building has been vacant for more than 60 days, my Building and Personal Property Policy will cover:

Select one:

a.
glass breakage.

b.
sprinkler leakage.

c.
fire.

d.
vandalism.

A

Fire

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
7
Q

A tenant is wrongfully evicted. This is an example of:

Select one:

a.
bodily injury

b.
personal injury

A

Personal injury

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
8
Q

The Inside the Premises - Robbery or Burglary of Other Property policy covers:

Select one:

a.
fire damage to the building resulting from a burglary.

b.
damage to the building resulting from a burglary.

A

Damage to the building, resulting from a burglary

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
9
Q

Claims arising from failure to meet the expected standard of care are covered by:

Select one:

a.
Property insurance

b.
Professional Liability

A

Professional liability

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
10
Q

A person who owns jewelry worth over $50,000 should get a:

Select one:

a.
Personal Articles Floater

b.
Personal Effects Floater

A

Personal articles floater

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
11
Q

The purpose of the National Flood Insurance Program is to:

Select one:

a.
provide flood insurance at subsidized rates.

b.
require all Americans to have flood insurance.

A

Provide flood insurance at subsidized rates

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
12
Q

Al has his home insured for full value, $200,000. He owes his mortgage banker $60,000. If the property is totally destroyed, the Insurer will pay:

Select one:

a.
$140,000 to Al and $60,000 to the mortgage banker.

b.
$200,000 to the mortgage banker.

c.
$60,000 to Al and $140,000 to the mortgage banker.

d.
$200,000 to Al.

A

$140,000 to Al and $60,000 to the mortgage banker

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
13
Q

Liability for the destruction of property is covered by:

Select one:

a.
Physical Damage Coverage

b.
Property Damage Coverage

A

Property damage coverage

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
14
Q

The deductible under an earthquake policy is:

Select one:

a.
$100.

b.
$250.

c.
$500.

d.
a percentage.

A

A percentage

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
15
Q

Mike gets a grizzly bear to keep as a pet at his home. This results in a type of liability known as:

Select one:

a.
vicarious liability.

b.
strict liability.

c.
absolute liability.

d.
professional liability

A

Absolute liability

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
16
Q

Important sources of insurability information used by an underwriter may include each of the following EXCEPT:

Select one:

a.
a physical inspection.

b.
the applicant’s marital status.

c.
the application.

d.
credit reports.

A

The applicant’s marital status

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
17
Q

Personal Articles Floaters cover which of the following?

Select one:

a.
Inherent Vice

b.
Intentional or expected loss

c.
Flood

d.
War

A

Flood

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
18
Q

The “other than collision” section of a personal auto policy will cover which of the following?

Select one:

a.
The car’s diesel engine is damaged when the owner mistakenly fills it with gas.

b.
The car is destroyed in an earthquake

c.
A purse is stolen from the car.

d.
A new tire is damaged by a pothole.

A

The car is destroyed in an earthquake

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
19
Q

Which policy is purchased by a business to cover completed operations and products liability?

Select one:

a.
Commercial Liability

b.
Homeowner Policy

c.
Dwelling Policy

d.
Errors and Omissions

A

Commercial liability

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
20
Q

Under the CPP’s Inspection and Survey Provision:

Select one:

a.
the Insurer is obligated to inspect the property prior to the initiation of coverage.

b.
the Insured is required to complete a survey of the property’s boundaries within 60 days after coverage begins.

c.
the Insurer will reimburse the Insured for the cost of any survey requested by the Insurer.

d.
the Insurer does not guarantee that any recommendations it makes are the best course of action.

A

The insurer does not guarantee that any recommendations it makes are the best course of action

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
21
Q

The Insured’s sworn statement made to the Insurer regarding the time and cause of the loss is known as:

Select one:

a.
proof of loss

b.
certification

A

Proof of loss

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
22
Q

The primary concept behind insurance is:

Select one:

a.
risk elimination

b.
transfer of risk

A

Transfer of risk

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
23
Q

The Boiler policy covers:

Select one:

a.
wear and tear

b.
sudden and accidental breakdown

c.
improperly functioning safety device

d.
damage to an object during testing

A

Sudden and accidental breakdown

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
24
Q

Which is true regarding insurance companies?

Select one:

a.
Mutuals are owned by the policy holders, have the management members chosen by the policy holders, and pay dividends to the policy holders.

b.
Stock companies are owned by the policy holders but mutuals are owned by the stock holders.

c.
Stock companies and mutuals both pay dividends to the policy holders.

d.
Stock companies are managed by the policy owners.

A

Mutuals are owned by the policy holders, have the management members chosen by the policy holders, and pay dividends to the policy holders.

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
25
Q

Insurable losses will be listed in what section of the policy?

Select one:

a.
Conditions

b.
Exclusions

c.
Declaration

d.
Insuring Agreements

A

Insuring agreements

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
26
Q

Work Comp premiums are based on:

Select one:

a.
payroll

b.
state law

A

Payroll

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
27
Q

The maximum amount payable for all losses resulting from one event is known as the:

Select one:

a.
aggregate limit

b.
occurrence limit

A

Occurrence limit

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
28
Q

Which of the following is a cause of loss form?

Select one:

a.
Proof of Loss Form

b.
Basic Form

c.
Declarations Form

d.
Garage Keepers’ Form

A

Basic form

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
29
Q

If my van is driven by another person with my permission, my liability coverage will apply to an accident caused by each of the following EXCEPT:

Select one:

a.
a neighbor who borrows the van to drive to work.

b.
a guest in my home who drives the car to the grocery store.

c.
a mechanic who test drives the car after making repairs.

d.
a buddy who borrows the car for a vacation trip.

A

A mechanic who test drives the car after making repairs

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
30
Q

Each of the following is an example of theft EXCEPT:

Select one:

a.
mysterious disappearance.

b.
burglary.

c.
robbery.

d.
shoplifting.

A

Mysterious disappearance

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
31
Q

Under the pair or set rule:

Select one:

a.
In no event will the loss of one item in the pair or set be considered to be the loss of all items in the pair or set.

b.
Both items in the pair or set must be insured for full replacement or actual cash value.

A

In no event will the loss of one item in the pair or set, be considered to be the loss of all items in the pair or set

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
32
Q

Molly has been driving a car which has tires that are severely worn and should be replaced. The tires are an example of a:

Select one:

a.
loss

b.
hazard

c.
peril

d.
catastrophe

A

Hazard

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
33
Q

Water damage to a building resulting from fire fighting efforts is:

Select one:

a.
a direct loss

b.
an indirect loss

A

A direct loss

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
34
Q

Employment Practices Liability will cover which of the following claims?

Select one:

a.
the cost of complying with the Americans With Disabilities Act

b.
the expense of a union strike

c.
workers compensation

d.
discrimination claims

A

Discrimination claims

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
35
Q

The purpose of a Surety Bond is to:

Select one:

a.
guarantee.

b.
prevent losses.

c.
rectify.

d.
coinsure.

A

Guarantee

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
36
Q

To be eligible for flood insurance, a community must have:

Select one:

a.
a flood control program

b.
at least 20,000 inhabitants

A

A flood control program

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
37
Q

The Fair Credit Reporting Act:

Select one:

a.
requires insurers to provide applicants with copies of all investigative reports.

b.
allows consumers to insert corrective statements in their consumer reports.

c.
prohibits insurers from obtaining credit reports without consent of the consumer.

d.
allows an insurer to obtain consumer investigative reports without notifying the consumers.

A

Allows consumers to insert corrective statements in their consumer reports

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
38
Q

The owner of a new office building is unable to move in for 80 days. Which provision will restrict coverage?

Select one:

a.
abandonment

b.
vacancy

c.
indemnity

d.
coinsurance

A

Vacancy

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
39
Q

Boiler policies cover losses due to:

Select one:

a.
Corrosion

b.
Accidental breakdown

A

Accidental breakdown

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
40
Q

Under a Business Income policy, the period of restoration ends when:

Select one:

a.
the project should have been completed with reasonable speed and quality.

b.
the policy expires.

c.
the building permit expires.

A

The project should have been completed with reasonable speed and quality

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
41
Q

Before the policy is issued, the insurance agent may provide a written document to prove that insurance is already in effect. This is:

Select one:

a.
an endorsement

b.
a binder

A

A binder

42
Q

A car is destroyed by a hurricane. This is:

Select one:

a.
an accident

b.
an occurrence

A

An accident

43
Q

Employee Dishonesty covers:

Select one:

a.
Disappearance of inventory which can be proven only by a profit and loss computation.

b.
Dishonest actions of the insured.

c.
Disappearance of inventory which can be proven only by an inventory.

d.
None of the above.

A

None of the above

44
Q

If a criminal hides in the business storeroom until closing, then steals merchandise and leaves through a fire door, this is an example of:

Select one:

a.
burglary

b.
robbery

c.
theft

d.
mysterious disappearance

A

Theft

45
Q

For a business, Extra Expense would cover:

Select one:

a.
payment of normal payroll

b.
rental of substitute space

c.
rebuilding the structure

d.
lost business income

A

Rental of substitute space

46
Q

Personal Injury Liability covers each of these EXCEPT:

Select one:

a.
malicious prosecution

b.
slander

c.
discrimination

d.
wrongful eviction

A

Discrimination

47
Q

The Business Income coinsurance requirement to maintain the Coverage Extensions is:

Select one:

a.
20%

b.
50%

c.
80%

d.
90%

A

50%

48
Q

An Earth Movement policy covering a shopping mall would most likely cover a claim involving:

Select one:

a.
flood

b.
war

c.
nuclear

d.
volcanic eruption

A

Volcanic eruption

49
Q

Under the Federal Fair Credit Reporting Act, the Insured has NO right to:

Select one:

a.
require that the insurer supply a copy of the report.

b.
be told the name and address of the consumer reporting agency

c.
demand that an incorrect report be corrected.

d.
insert a corrective statement in the report.

A

Require that the insurer supply a copy of the report

50
Q

Auto med pay:

Select one:

a.
pays regardless of coverages in other policies

b.
pays medical and funeral expenses for the insured and any passengers in the insured’s auto

c.
is required by both federal and state law

d.
covers any pedestrians hit by the insured’s auto

A

Pays medical and funeral expenses for the insured and any passengers in the insured’s auto

51
Q

Each of the following will be paid by a CGL EXCEPT:

Select one:

a.
bodily injury liability

b.
employer’s liability

c.
legal expenses

d.
property damage liability

A

Employer’s liability

52
Q

Which policy is designed to cover tenants?

Select one:

a.
HO-3

b.
HO-8

c.
HO-6

d.
HO-4

A

HO-4

53
Q

Which section of the HO Policy covers personal liability?

Select one:

a.
Section I

b.
Section II

A

Section II

54
Q

Contracts require each of the following EXCEPT:

Select one:

a.
legal purpose

b.
competent parties

c.
consideration

d.
notarization

A

Notarization

55
Q

Which of the following is an example of vicarious liability?

Select one:

a.
A store owner is held liable for carelessly dropping a box on a customer’s foot.

b.
A store owner is held liable when a store employee carelessly drops a box on a customer’s foot.

A

A store owner is held liable with a store employee carelessly drops a box in a customer’s foot

56
Q

A liability policy will pay which of the following ONLY if the insured is liable?

Select one:

a.
supplementary

b.
bonds

c.
medical payments

d.
bodily injury

A

Bodily injury

57
Q

Which of the following is covered by a Commercial Package Policy (CPP)?

Select one:

a.
Ships

b.
Crime

c.
Aircraft

d.
Partners’ Accounting

A

Crime

58
Q

An auto policy CANNOT be canceled if the Insured:

Select one:

a.
returns the policy

b.
obtains another auto policy on the same vehicle from another insurer

c.
makes a written request to cancel

d.
fails to make the premium payments

A

Obtains another auto policy on the same vehicle from another insurer

59
Q

The Law of Large Numbers:

Select one:

a.
Prohibits a particular Insurer from issuing more than its fair share of the policies in any particular market.

b.
Is used to determine premiums based on historical loss figures.

A

Is used to determine premiums based on historical loss figures

60
Q

A document outlining the coverage with evidence that coverage is in effect is known as a/an?

Select one:

a.
certificate of insurance

b.
endorsement

A

Certificate of insurance

61
Q

A Performance Bond is an example of a ________ bond.

Select one:

a.
bail

b.
bid

c.
judicial

d.
surety

A

Surety

62
Q

Auto med pay:

Select one:

a.
pays medical and funeral expenses for the Insured and any passengers in the Insured’s auto

b.
covers any pedestrians hit by the Insured’s auto

c.
pays regardless of coverages in other policies

d.
is required by both federal and state law

A

pays medical and funeral expenses for the Insured and any passengers in the Insured’s auto

63
Q

Which is correct regarding subrogation?

Select one:

a.
It lists the losses covered by the policy.

b.
It is a method for insurers to recover from responsible third parties.

A

It is a method for insurers to recover from responsible third parties

64
Q

The minimum flood insurance deductible is:

Select one:

a.
$100

b.
$250

c.
$500

d.
$1000

A

$1,000

65
Q

Pollution over a long period of time is:

Select one:

a.
an accident

b.
an occurrence

A

An occurrence

66
Q

A Mobile Home policy covers a detached garage:

Select one:

a.
only by a rider, endorsement, separate policy

b.
with no limit

c.
to 10% of A (with at least $2,000 coverage)

d.
to 20% of A

A

To 10% of A (with at least $2,000 coverage)

67
Q

An employer’s obligation to pay for the negligence of an employee who injures a customer is an example of:

Select one:

a.
professional liability

b.
strict liability

c.
absolute liability

d.
vicarious liability

A

Vicarious liability

68
Q

Restoring the Insured to the financial condition prior to a loss is:

Select one:

a.
direct loss

b.
indemnification

c.
illegal

d.
peril

A

Indemnification

69
Q

If I want Replacement Cost coverage on my $200,000 home, I need to purchase how much insurance?

Select one:

a.
$60,000

b.
$100,000

c.
$160,000

d.
$200,000

A

$160,000

70
Q

Payment based on the fact that the Insured owns the property involved is:

Select one:

a.
Insurable interest

b.
Indemnity

c.
Replacement cost

d.
Actual cash value

A

Insurable interest

71
Q

If I have a $100,000 HO policy, my personal property is covered to:

Select one:

a.
$100,000 on a replacement cost basis.

b.
$100,000 on an actual cash value basis.

c.
$50,000 on a replacement cost basis.

d.
$50,000 on an actual cash value basis.

A

$50,000 on an actual cash value basis

72
Q

The HO’s Personal Liability section covers:

Select one:

a.
Damage to the property of other persons.

b.
Medical expenses of the Insured’s children.

c.
A tenant’s suit for wrongful eviction.

d.
Damage to the insured’s home.

A

Damage to the property of other persons

73
Q

A Work Comp policy may cover each of these EXCEPT:

Select one:

a.
Health Coverage for the worker’s family.

b.
Employer’s Liability.

c.
Death Benefit.

d.
Rehabilitation Benefit.

A

Health coverage for the workers family

74
Q

A Broad Form policy covers:

Select one:

a.
sewer backup

b.
earthquake

c.
inherent vice

d.
volcano

A

Volcano

75
Q

An Excess Liability policy:

Select one:

a.
eliminates the need for the underlying policy.

b.
deepens but does not broaden coverage.

A

Deepens but does not broaden coverage

76
Q

A lawnmower manufacturer is liable if a blade flies off the mower. This is an example of:

Select one:

a.
vicarious liability.

b.
strict liability.

c.
absolute liability.

d.
professional liability.

A

Strict liability

77
Q

Molly has her pet shop insured with a Special Form BOP. Her shop was burglarized and the thief stole 7 Golden Retriever puppies (each worth $500) plus $17,000 cash. Her $250,000 BOP (which has a $500 deductible) will pay how much on this claim?

Select one:

a.
$3,000

b.
$20,000

c.
$20,500

d.
$250,000

A

$3,000

78
Q

Concealment involves:

Select one:

a.
intentionally failing to disclose a material fact.

b.
unintentionally failing to disclose a material fact.

c.
unintentionally failing to disclose an immaterial fact.

d.
intentionally failing to disclose an immaterial fact.

A

Intentionally failing to disclose the material fact

79
Q

Which section of the policy determines the coverage?

Select one:

a.
Exclusions

b.
Insuring agreements

c.
Conditions

d.
Declaration

A

Insuring agreements

80
Q

Which of the following is designed to provide property coverage while a structure is under construction?

Select one:

a.
Pre-Occupancy Insurance

b.
Temporary Insurance

c.
Builders Risk

d.
Construction Coverage

A

Builders risk

81
Q

My Homeowner Policy covers:

Select one:

a.
commercial liability.

b.
flood.

c.
earthquake.

d.
theft.

A

Theft

82
Q

Which of the following policies contains a consent to settle provision?

Select one:

a.
E&O and Employment Practices Liability

b.
Commercial Auto and Employment Practices Liability

c.
Employment Practices Liability only

d.
CGL and Employment Practices Liability

A

E&O and employment practices liability

83
Q

Which covers lost profits and continuing expenses?

Select one:

a.
E&O

b.
Business Income

c.
Extra Expense

d.
D&O

A

Business income

84
Q

Fidelity Bonds cover acts of:

Select one:

a.
employees

b.
customers

A

Employees

85
Q

Self-insurers must comply with work comp regulations by:

Select one:

a.
requiring the workers to pay for their work comp

b.
having a letter signed by the management team indicating solvency

c.
complying with state regulations

d.
having at least $10,000,000 in cash to pay claims

A

Complying with state regulations

86
Q

A BOP provides each of the following except:

Select one:

a.
Coinsurance provisions

b.
Business Income coverage

c.
Peak season provisions

d.
Extra Expense coverage

A

Coinsurance provisions

87
Q

Under a crime policy, the insured who suffers a loss is required to:

Select one:

a.
file a proof of loss form

b.
file criminal charges against any suspect

A

File a proof of loss form

88
Q

Representations are found in the:

Select one:

a.
insuring agreements.

b.
policy conditions.

c.
declarations.

d.
application.

A

Application

89
Q

A CGL provides liability coverage for:

Select one:

a.
False statements about a competitor made before the policy was issued.

b.
A person whose reputation is harmed by the insured’s innocent dissemination of information.

c.
A radio station held liable for statements made by a talk-show announcer.

d.
The quality of a service does not meet advertised standards.

A

A person whose reputation is harmed by the insured’s innocent dissemination of information

90
Q

The BOP provides a $200,000 limit of liability for business personal property. The most the policy will pay for a total loss of inventory is:

Select one:

a.
$180,000

b.
$200,000

c.
$225,000

d.
$250,000

A

$250,000

91
Q

Which deepens coverage only?

Select one:

a.
excess liability

b.
umbrella

A

Excess liability

92
Q

The transportation expenses following a deer damaging the auto are covered under the Personal Auto Policy’s:

Select one:

a.
Medical Payments coverage

b.
Supplementary coverage

c.
Comprehensive (Other Than Collision) coverage

d.
Collision coverage

A

Comprehensive (other than collision) coverage

93
Q

Which coverage applies under an Ocean Marine policy when cargo is jettisoned to save the ship?

Select one:

a.
particular average

b.
general average

c.
sue and labor expense

d.
total loss

A

General average

94
Q

A policy covers leaky roofs. The insured’s roof leaked after a satellite dish installer improperly mounted a new satellite dish on the roof. The leak damaged the wall, the floor, and a couch. The policy will pay for each of the following EXCEPT:

Select one:

a.
the couch

b.
the floor

c.
the damage to the wall

d.
repair of the leaky roof

A

Repair of the leaky roof

95
Q

A, B and C as partners own a business. They have a CGL providing a $100,000 occurrence limit. An injured customer sued after an accident and obtained three judgments; one against A for $50,000, a second against B for $50,000 and a third against C for $50,000. The CGL will pay:

Select one:

a.
all three judgments in full because neither exceeds the occurrence limit.

b.
only $100,000.

A

Only $100,000

96
Q

Which type of Commercial Auto insurance is purchased to protect the employer against the vicarious liability that results when an employee causes an auto accident while driving the employee’s own vehicle?

Select one:

a.
Uninsured Auto

b.
Non-owned Auto

c.
Rented Auto

d.
Employee Auto

A

Non-owned auto

97
Q

Which section of the policy specifies the Insured’s responsibilities?

Select one:

a.
Exclusions

b.
Conditions

c.
Declaration

d.
Insuring Agreements

A

Conditions

98
Q

The Boiler Policy provides coverage for new locations for:

Select one:

a.
30 days

b.
60 days

c.
90 days

d.
120 days

A

90 days

99
Q

The Insured has a home worth $150,000. The earthquake policy on the home has a limit of $100,000. The deductible on the Earthquake Policy is 5%. If an earthquake damages the home, the deductible for the incident will be:

Select one:

a.
$5,000

b.
$7,500

c.
$50,000

d.
$75,000

A

$5,000

100
Q

E&O forms cover:

Select one:

a.
defense costs

b.
auto accidents

c.
fines

d.
penalties

A

Defense costs

Property & Casualty Exam (5 decks)

Brainscape helps you reach your goals faster, through stronger study habits.
© 2024 Bold Learning Solutions. Terms and Conditions