Rules of behavior may also be hard to comprehend because of the ways in which religious and legal rules have been adapted to contemporary situations. lslamic law, for instance, forbids charging interest and selling accident insrance (strict doctrine holds there accidents, only preordained acts of God ) in case of mortgages, the Saudi government gets around this proscription by offering interest-free loans. The government has simply eliminated the prohibition against accident insurance because Saudi businesses, like business elsewhere, need the coverage.