Questions

Yes, it can be used, if an accurate clock frequency  is not required. also the component cost is low compared to LC or Crystal.

Any type of insurance, be it home, auto, life, health, etc. are based on a principle of division of risk.

Division of Risk :: This is based on how much risk the insurer estimates the insured's coverage to be. The riskier the opportunity (bad health, area the home is in) the higher the premium costs.

Ascomycota is a division or phylum of the kingdom Fungi that, together with the Basidiomycota, form the subkingdom Dikarya. Its members are commonly known as the sac fungi or ascomycetes. 

Hence, Sac formation is a characteristic of the Ascomycota fungi.

As per the decision of the GST Council, e-Way Bill system has been rolled out from 1st of April this year (2018).

Pallava

Secondary succession means in an ecosystem renewal of itself after all or a portion has been destroyed.

After a forest fire, the whole forest had destroyed but after that again renewal of that forest is also an example of secondary succession.