16 2 points Risk is the deviation from the expected value. True False 17 2 points Which one of these valuation methods is commonly used by property insurance companies to determine the value of what was lost in a fire: Replacement Cost Book Value Taxable Value Sentimental Value 18 2 points Identify the law that deals with the legal consequences of people acting on behalf of other people or organizations: Law of moral hazard Law of agency Law of large numbers Law of torts