Explain left-skewed returns and Black–Scholes terms

Answer the following quantitative finance / statistics questions:

1. Left-skewed returns
   • Name one or more sectors/strategies whose return distributions are often left-skewed (negative skew).
   • Explain why their returns tend to be left-skewed.
2. Black–Scholes call formula terms
   • In the Black–Scholes European call price

$C = S_0 N(d_1) - K e^{-rT} N(d_2),$

 what do the **two main terms** represent intuitively?

• (No derivation required.)