The bending of light as it passes from one medium to the next is

depends on what you mean by "group." for order, it would be coleoptera (beetles). for class, it would be insecta (insects). for phylum, it would be the arthropoda (animals with jointed exoskeletons).

explanation:

emily ruth's annual premium is $1058.50

step-by-step explanation:

emily ruth is a female of 27 years age purchasing 20 year endowment insurance with face value $25000.

from the given table,

for females, the age of a male 3 years younger should be used.

so, we have to check for 24 year male for 20 year endowment.

it is 42.34 for every $1000 face value.

for a face value of $25000,

it is 25 * 42.34 = $1058.50

∴ emily ruth's annual premium is $1058.50