Identify the element of communication process that can be the creative part of an advertisement or Web site

Which of these factors do NOT affect the rates of medical insurance?

A) Health B) Race C) Occupation D) Gender

Three of the largest petroleum refineries in the country have come to an agreement about what price they would pay to purchase crude oil from sellers. This is an example of ________

A) sellers' illegal per se price fixing B) sellers' illegal group boycott C) buyers' illegal per se price fixing D) buyers' illegal market sharing