21. Which one of the following best identifies the main topic of the passage?

　　(A) reduction of competition in the insurance business
　　(B) classification of potential insurance purchasers
　　(C) risk avoidance in insurance sales
　　(D) insurance protection and premiums¹
　　(E) methods of insurance classifying

　　22. The passage mentions all of the following as possible or certain costs of classifying EXCEPT the cost of

　　(A) collecting facts
　　(B) conducting statistical² analyses
　　(C) selling insurance at different prices
　　(D) a decrease in purchases by poor risks
　　(E) larger, albeit³ fewer, claims

　　23. Which one of the following is closest to the author's expressed position on competition in the insurance business?

　　(A) It has a significant influence on most aspects of the insurance industry.
　　(B) It is a relevant factor, but it has little practical consequence.
　　(C) It is a basic but not very apparent element of the insurance business.
　　(D) It provides a strong incentive⁴ for insurers to classify potential customers.
　　(E) It is influential⁵ in insurance marketing⁶ practices.
　　
　　24. The passage suggests that if all insurers classified risk, who among the following would be adversely⁷ affected⁸?

　　(A) All insurance purchasers
　　(B) Insurance purchasers who would be classified as poor risks
　　(C) Individuals who self-insured or self protected
　　(D) Insurers who had a high proportion of good risks in their "book" of risks
　　(E) Insurers with the most refined risk classifications
　　
　　25. Given the discussion in the first paragraph, what is the distinction, if any, between "insurance" and "self-protection"?
　　
　　(A) There is very little or no distinction between the two terms.
　　(B) Insurance is a kind of self-protection.
　　(C) Self-protection is a kind of insurance.
　　(D) Insurance and self-protection are two of several alternative means to a specific end
　　(E) Insurance and self-protection are the only two alternative means to a specific end.
　
　　26. Which one of the following is most closely analogous⁹ to the process of classification in insurance, as it is described in the passage?
　
　　(A) devising a profile of successful employees and hiring on the basis of the profile
　　(B) investigating the fuel efficiency of a make of automobile and deciding whether or not to buy on that basis
　　(C) assessing an investor's willingness to take risks before suggesting a specific investment
　　(D) making price comparisons on potential major purchases and then seeking discounts from competing dealers
　　(E) comparing prices for numerous minor nims and the selecting one store for future purchases

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