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Part 1  250 words with one citation and include in-text citation.

Please be sure to validate your opinions and ideas with citations and references in APA format.

Instructions:

· Property and casualty insurers are often criticized for charging exorbitant rates for catastrophic insurance such as earthquake, flood, and terrorism coverage in efforts to maintain financial ratings and preserve assets. Do you think that this line of thinking reflects sound business practices?

· If so, explain your position. If not, explain why you feel that this business practice is discriminatory.

Part 2 250 words with one citation and include in-text citation.

Please be sure to validate your opinions and ideas with citations and references in APA format.

Instructions:

· Can all risks be controlled? Explain why or why not providing three reasons to support your position.

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