In this task you will be given a passage and a yes/no question based on the passage. You should answer the question using the information from the passage.

[Q]: passage: Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States of America. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate (often 2%). When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is an ``Indexed Universal Life'' contract. These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy at first; the cost of insurance is always increasing as found on the cost index table (usually p. 3 of a contract). This not only allows for easy comparison of costs between carriers, but also works well in irrevocable life insurance trusts (ILIT's) since cash is of no consequence.
 question: does a universal life policy have cash value?
[A]: Yes


[Q]: passage: A vehicle identification number (VIN) is a unique code, including a serial number, used by the automotive industry to identify individual motor vehicles, towed vehicles, motorcycles, scooters and mopeds, as defined in ISO 3779:2009.
 question: is a car serial number the same as a vin?
[A]: Yes


[Q]: passage: Some private orphanages still exist in the United States apart from governmental child protective services processes. Following World War II, most orphanages in the U.S. began closing or converting to boarding schools or group homes. Over the past few decades, orphanages in the U.S. have been replaced with smaller institutions that try to provide a group home or boarding school environment. Most children who would have been in orphanages are in these residential treatment centers (RTC), group homes, or with foster families. Adopting from RTCs, group homes, or foster families does not require working with an adoption agency, and in many areas, fostering to adopt is highly encouraged.
 question: do we have orphanages in the united states?
[A]:
Yes


