QUESTION 23 What is an advantage of a Mutual Company Dividends returned to policyholders Easier to Raise Capital Usually the larger insurers Benefits the shareholders All of the Above QUESTION 24 An example of one of the three types of hazards we studied slare: Causing intentional loss to ones property Driving carelessy without regard Never ceaning out the chimney of the Rose None of the Above QUESTION 25 Some of the challenges a risk manager could face Implementing a plan to lessen exposure to a firm Choosing an appropriate method to deal with risk or chances of loss Helping to improve company financials to improve the stock performance All the above None of the Above QUESTION 26 A State of Risk occurs when there is Krowing an outcome Uncertainty concerning a loss Something that increases a hazard Predicting a variation of loss None of the Above