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.
Values are the collective conception of what a societal group thinks is morally right and good. Norms are the generally established standards of behavior maintained by a society. Sets of values and norms often exist in contradiction to other values and norms within a society. There are also frequent discrepancies between what a society claims to value and believe and what actually occurs.