Arbitration is very similar to litigation except that with arbitration (select one): you and the other side select your own third party (the arbitrator).the proceedings are private. the technical rules of litigation are not followed. a. all of the above. b. two of the above. c. none of the above.

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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15 pounds of apples and 6 cups of flour

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.