In the adopter categories, the final 16 percent to adopt are similar to innovators in that they do not rely on the norms of the group but are independent because they are tradition-bound. They tend to have the lowest socioeconomic status, are suspicious of new products, and are alienated from a rapidly advancing society. Who are they?

The basic lesson of Herzberg's research is that __________

a. employers should attempt to eliminate job dissatisfaction before addressing job satisfaction b. managers can take away positive hygiene methods as a punishment for underperforming employees c. job dissatisfaction results from the absence of motivating factors d. hygiene factors such as working conditions are unimportant to employers

Separate accounts business of a life insurance company represents

A. policies written that cover individuals as a group. B. liabilities owed to other life insurance companies as a result of reinsurance C. the cumulative cash value paid to policyholders if the policies are terminated before maturity. D. a fund established separately from the other funds of the insurance company and invested without regard to the usual diversification restrictions. E. the cumulative price that the company may repurchase policies from existing customers.