l. Advisery crganizaticns er rating bureaus (a) are mere ccmmcn in life insurance than in preperty and liability insurance. (b) establish rates tc which all member ccmpanies must adhere. (c) were made illegal by the McCarranFerguscn Act. (d) ccllect lcss statistics frcm member ccmpanies tc use in the deuelepment cf adviser}: Icss ccsts cr adviser):r rates. 2. In these types cf insurance in which ratemaking and underwriting are merged mm a single precess. the underwriter is likely tc use (a) class rating. (b) experience rating. (c) merit rating. (d) judgment rating. 3. All but which at the felicwing are forms cf merit rating? (a) schedule rating. (b) class rating. (c) retrcspectiue rating. (d) experience rating