Charlie and Sydney are arguing about how to spend the tax refund they received. He says they should get the car fixed; she says they should first go on a vacation; he then suggests they fix the car and use any money left to vacation; she suggests they sell the car and be rid of the problem. Charlie and Sydney are engaging in which pattern of unproductive conflict

(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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