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 common response in all societies to other cultures is to judge them in terms of the values and customs of their own familiar culture. This is ethnocentrism . Being fond of your own way of life and condescending or even hostile toward other cultures is normal for all people.