An ordinary annuity is defined as an annuity for which the cash flows occur at the beginning of each year or payment period

_____ is the ultimate goal of a new trend in marketing that focuses on understanding consumers as individuals instead of as part of a group

a. Organizational optimization b. Profit maximization c. Total quality management (TQM) d. Customer relationship management (CRM)

Use the ________ when you must deliver bad news, if your audience has an emotional investment in the situation

A) blended approach B) discretionary approach C) direct approach D) indirect approach E) persuasive approach