Independent auditors express an opinion on the:. A) Fairness of financial statements.
B) Amount of income taxes a company owes to the government.
C) Quality of the company's products.

A) Fairness of financial statements.

Explanation:

Auditors review the financial statements of firms.

An unqualified or clean audit opinion means the financial statements are true and fair.

A qualified opinion means that there is some exception to accounting standards in the financial statement.

An adverse audit opinion means that the financial statement are not fairly represented

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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answer; a large down payment,a longer term loan, would result in a lower monthly payment;