Credit that requires collateral, which ensures payment of the loan, is referred to as ________

Offshoring is defined as:

A. a practice of having another company provide services. B. moving operations from the country where a company is headquartered to a country where pay rates are lower but the necessary skills are available. C. a method of staffing other than the traditional hiring of full-time employees. D. a complete review of the organization's critical work processes to make them more efficient and able to deliver higher quality of products and services. E. the act of acquiring a new company in a distant location or another country in order to acquire higher market share or growth.

The difference between a particular response and the distribution mean is called a(n):

a. deviation. b. standard deviation. c. variance. d. ANOVA. e. MANOVA.