sponsor – n. someone who takes the responsibility for someone or something

surgery – n. medical treatment in which a doctor cuts into a patient's body to repair or remove damaged or diseased parts

insurance – n. a method of guaranteeing protection or safety for damages, sickness or death

mismanagement – n. the act or process of directing or supervising something badly

necessity – n. the quality or condition of being necessary

universal – adj. done or experienced by everyone

deserve – v. to be worthy of something