What is believed to contribute to the wounded knee massacre

Is karma the same as destiny, in the sense that everything that happens to you is predetermined? do you believe that "what goes around comes around," and if so is this the same as karma? does everyone get what they deserve, in the end?

Lloyd’s of london was one of the first institutions to offer insurance to merchants and joint-trade companies. a major part of the insurance system involved people who agreed to take responsibility for the insured losses in return for a fee. what were these risk-takers known as? a. joint-stock companies b. investors c. underwriters d. merchants e. capitalists

The system of checks and balances ensures that