Private industrial networks are usually owned collectively by the major firms participating in the network, while exchanges usually are created by a single sponsoring company

_____ is the tendency of the parts of an organization to draw together to achieve a common purpose.

Fill in the blank(s) with the appropriate word(s).

Nathan is interested in analyzing the cost of life insurance. He wants to perform the analysis based on the assumption that the life insurance coverage will remain in force. Which of the following techniques would be most appropriate for Nathan to use?

(a) net payment cost index (b) traditional net cost (c) Linton yield (d) surrender cost index