1. First, we must understand what a hypothesis is, so we can learn to discern one. A hypothesis is a theory or a concept that can be written or verbalized and that seeks to resolve a question regarding an observation. Usually, the structure of a hypothesis is constructed from a dependent and independent variable, one that is the theory and the second the result of that theory. Gramatically, a thesis statement or hypothesis would be built with: the independent variable is preceded by If and the dependent variable, by the word then. In this case, since the thesis preceded by If, is that money grows in trees, the correct answer indeed is A.
2. When we are talking about converse sentences, you need to find the one sentence whose meaning is completely the opposite of what the original is saying. In this case, the original sentence states that the insurance claim will bring the costs of the rates up, so we need to find the one sentence that negates this, or is totally the opposite. So, if puting in a claim will bring costs up, we need to find the sentence that states that by not puting in the claim will prevent that from happening. The only sentence that adapts to this is option B. Also, the option is B because structurally speaking, B is the only option that is grammatically the opposite, even if option A states the same idea but with different wording.
