求助：OG11-45 （论坛上只有OG10版的45 解释）

Fewer families loss their houses because of major disasters such as fire or  flood than because of a wage earner 's illness that  results in death or disability.  Yet , whereas most mortgage companies  require borrowers to carry insurance to protect against disasters, they do mot require insurance to protect against the death or disability of a wage earner.

Which of the following, if true , would contribute most to an explanation of the difference in insurance requirements?

(D)The value of a property to a mortgage company is not affected by the death or disability of a wage earner.

第一个问题：红字部分，yet 和whereas 不都是表示转折吗？为什么要转折两次呢？

第二个问题：正确选项是d,那不是跟第一句话的意思相违背了吗？

                     选项不是不能反对题目中的前提条件玛？

绕得不清楚了。。麻烦大虾们解释下？