How would an insurer manage its risk if it did not obtain evidence of insurability

How does henry’s statement reflect the idea of social contract? how does the idea of social contract protect people’s natural and individual rights

3. meena and ala are two friends. meena has a habit of using new pens almostevery day, whereas ala believes in getting a refill for her pen instead of buyinga new pen even though her friends make fun of her.a) which out of two practices would you follow and why? b) which value is ala depicting?

My town doesn't allow solar panels, but i know they are a great source of renewable energy and can save you money. how can i make my town allow solar panels?