The Truth-in-Lending Act allows a creditor to avoid liability for improper disclosure if the violation is corrected within fifteen days from the time it is discovered by the creditor and before the consumer gives written notification of the error

What are the positive consequences--the major benefits--of group cohesiveness? (Choose all that apply.)

-Lower levels of group diversity -Emphasis on group goal accomplishment -Lower organization costs -Higher levels of participation within a group -Higher levels of conformity to group norms

_________________ collect premiums on insurance policies and employee/employer contributions from pension fund participants and provide retirement benefits and insurance against major financial losses.

a. Banks b. Contractual savings organizations c. Investment banking firms d. Brokerage firms e. none of the above