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.
Cultural relativism asserts that cultural values are arbitrary and therefore the value of one culture should not be used as standards to evaluate the behavior of persons from outside that culture.(Coogan) Ethnocentrism is the use of values, ideals, and mores from one's own culture to judge the behavior of someone from another culture.