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 term 'ethnocentricity' originated with William Sumner. Ethnocentricity refers to a belief that your culture or ethnic group is superior to another's. Ethnocentric individuals are biased in that they draw conclusions about other cultural groups based on their own cultural values, norms, and traditions.