The annual cost of spam is about:

Which of the following is a principal method of ensuring the solvency of insurers?

A) requiring submission of annual financial statements to state regulators B) tracking and investigating market conduct complaints against insurers C) disciplining agents of the insurer for illegal sales practices D) regulating the forms (applications and policies) employed by the insurer

The fourth step in the training process is to ________

A) assess the program's successes or failures B) present the program to a small test audience C) conduct a needs analysis D) implement the program or course