Questions: 5. A "direct loss" is a. a loss that results from an intervening agent. b. a loss that results immediately and proximately from an event. c. a loss that has no known cause. d. a loss that has no additional consequences.

The answer is B: a loss that results immediately and proximately from an event.

Explanation for each option:

a. A loss that results from an intervening agent: This describes an indirect or consequential loss, not a direct loss. An intervening agent implies that there is a secondary cause that leads to the loss, which is not immediate or direct.

b. A loss that results immediately and proximately from an event: This is the correct definition of a direct loss. It refers to damage or loss that occurs as an immediate and direct result of an event, without any intervening causes.

c. A loss that has no known cause: This does not fit the definition of a direct loss. A direct loss has a clear and immediate cause, whereas a loss with no known cause would be more accurately described as an unexplained or mysterious loss.

d. A loss that has no additional consequences: This is not accurate. A direct loss can have additional consequences, but the key characteristic is that it occurs immediately and directly from an event.