E-R modeling recognizes both relationship classes and relationship instances

ABC Savings and Loan Association negotiates a $200,000 loan with Maria Gonzalez. Maria speaks no English. To complete the transaction, ABC provides loan forms written in Spanish. In the escrow closing statement, Maria is charged a 1/8th % higher interest rate than other borrowers who speak English. The:

a. lender is permitted to charge the fee provided it does not exceed the actual translation charges b. translation charge should have been paid at the time the application for the loan was submitted c. lender was in violation of the Housing Financial Discrimination act of 1977 and cannot impose an extra charge d. none of the above

OD interventions could be implemented more successfully if they included training where employees

A) Developed a common knowledge and skill base in the area of the intervention. B) Understood group dynamics and became skilled at working within groups. C) Understood and became skilled at using a common problem solving model. D) Both A & C. E) All of the above.