Difference between Natural heritage and Cultural heritage​

Lloyd’s of london was one of the first institutions to offer insurance to merchants and joint-trade companies. a major part of the insurance system involved people who agreed to take responsibility for the insured losses in return for a fee. what were these risk-takers known as? a. joint-stock companies b. investors c. underwriters d. merchants e. capitalists

-what is one question you might ask after reading the fred munguia's story?

What was the earliest settlement shown on the map?