Why might people be able to walk barefoot on hot coals of wood without burning their feet?

The correct answer of this question is : Low thermal conductivity of hot coals.

EXPLANATION :

Before going to answer of this question, first we have to understand the nature of hot coals of wood in terms of conductivity.

The thermal conductivity of the wood is very small i.e it is thermally insulator.

Due to the less thermal conductivity of wood, the heat  partially flows to the foot. The person will feel the heat, but not as much as the heat given by thermal conductors.

Hence, a barefoot person person can walk on hot coals of wood.

emily ruth's annual premium is $1058.50

step-by-step explanation:

emily ruth is a female of 27 years age purchasing 20 year endowment insurance with face value $25000.

from the given table,

for females, the age of a male 3 years younger should be used.

so, we have to check for 24 year male for 20 year endowment.

it is 42.34 for every $1000 face value.

for a face value of $25000,

it is 25 * 42.34 = $1058.50

∴ emily ruth's annual premium is $1058.50