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.
george murdock's cultural universals. subculture. groups that share traits with each other but not the larger society; examples: gouts organized by age, gender politics or geography; most do not reject all of the values of the larger society; most do not threaten the larger American culture. counterculture.