Why does bilbo bring home only two small chest filled with treasure from the mountain a. he has no need for more b. he loses most of his treasure on the way home over the misty mountains c. thorin forbids him to take more d. he donates most of his share to the people of lake town

Sloan manufacturing company is changing insurance carriers. this change will be effective january 1st. at that time, all employees will be asked to complete an eligibility form. this form will be available in the human resources department after december 15th. prior to that date, however, we will not have access to it. this upcoming change is very positive, and we are happy for the opportunity to provide insurance coverage to our employees. select the best answer the phrase "this upcoming change" refers to: a change in insurance benefits a change in insurance eligibility a change in employee benefits a change of insurance carriers