Voters who are not members of a political party

they are called an Independent Politican. Have a good day! And, BTW search it up in the internet.

answer; i believe that the correct answer is culture based resources;

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time