If an insurance contract has a provision stating that in the event of the policy holder's death, the family of the policy holder will continue to receive the policy holder's monthly income for a period of time, this is an example of an endorsement or a rider.
Culture consists of the beliefs, behaviors, objects, and other characteristics common to the members of a particular group or society. Through culture, people and groups define themselves, conform to society's shared values, and contribute to society.
Sociologist William Graham Summer, coined the term ethnocentrism which refers to the tendency to assume that ones own culture and way of life represents the norm, or are superior to all others. conflict theorist point out that ethnocentric value judgements serve to revalue groups, and to deny equal opportunities. functionalist view of ethnocentrism. functionalist point out that ethnocentrism serves to maintain a sense of solidarity by promoting group pride.