Please start your initial discussion post with a descriptive title. Your initial post must be a minimum of 100 words and submitted at least 3 days before the due date. Your responses must be a minimum of 30 words. The initial post and responses must all be submitted by the due date. Your discussion posts must be substantive, thoughtful and insightful. Be sure to organize your thoughts and ideas effectively. Incorporate connections to the course material or resources you've discovered. Stay on topic. Avoid summarizing someone else's post. Contribute to the learning environment with depth and with the goal of motivating discussion. Scientific discourse is based on evidence. Opinions are just that, but if used in a discussion, they must be informed opinions. Remembering the financial stress that Chuck experienced after Lucy's death, he is concerned about being properly insured. He knows that there are many different types of insurers and various distribution channels for both P/C and L/H insurance. He has identified the following loss exposures: 1) pre-mature death, 2) disability because of an accident or sickness, 3) unemployment, 4) damage to his personal property due to perils like fire, lightning, theft, etc., 5) damage to his car, 6) liability to others, 7) inflation in rent and other costs of living that outpace his income, 8) loss of investments that he has saved for retirement, 9) medical expenses for Junior and himself, 10) someone hacking into his online banking account and transferring out his savings, 11) inability to use the equipment provided by his employer because of improper maintenance, and 12) damage to his and Junior's reputations because of Chuck's tendency to drink too much while posting on social media. Discussion Questions: Primary post: Select the numbered loss exposure that corresponds with your birth month and fully describe your perception of, and any assumptions you make regarding that loss exposure. Identify and explain one of the characteristics of an ideally insurable risk (per your instructional materials) and explain how your loss exposure does or does not meet that characteristic. Response to others: Expand upon one of your classmate's discussion posts with a thoughtful confirmation or contradiction of the points they made. Identify and explain another of the characteristics of an ideally insurable risk (per your instructional materials) and explain how your classmate's loss exposure does or does not meet that characteristic