________ involves the effort to get others (target persons) to behave in some desired fashion

What is essentially understood to be insurance for property-casualty insurance companies?

A. Policy reserves. B. Conditional reserve funds. C. Reinsurance. D. Unearned premiums. E. Surplus notes.

All of the following would allow a firm to utilize product differentiation except:

A. pricing differences. B. increased production. C. elaborate packaging. D. intensive advertising.