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.
The only values held by society are pleasure and instant gratification. People no longer care about how their interactions with others effect the outside world. Today, everything is about instant gratification and pleasure. I can do whatever I want to anyone, but they dare not do it back to me.