1. Is it appropriate for IKEA to customize their furniture to each geographic location, for example, differences between U.S. and European furniture? Some companies do not make these changes, but IKEA does; why?
2. Describe risk finance techniques for liability and property loss exposures resulting from golf cart ownership.
3. Contrast two ways insurers may apply passenger hazards exclusion in a Snowmobile Endorsement to the Personal Auto Policy (PAP.)