TASK DEFINITION: You will be given a trivia clue, and the category it belongs to. You should answer with the best answer that belongs in the category and is described by the clue. For consistency, answers should be in all lower cased letters.
PROBLEM: Category: COME HERE OFTEN? 
Clue: Hoste is an island in this fiery-sounding archipelago off Chile

SOLUTION: tierra del fuego

PROBLEM: Category: INSURANCE 
Clue: It's a payment on an insurance policy or a ranking, especially for a brand of saltine

SOLUTION: premium

PROBLEM: Category: DON'T LISTEN TO THEM! 
Clue: In 1899 Charles Duell, the head of this U.S. "Office" said, "Everything that can be invented has been invented"

SOLUTION:
u.s. patent office