The named insured leaves a suitcase filled with clothing on the seat of his unattended, unlocked automobile. The loss is valued at $900 replacement cost and a depreciated value of $700. The HO-3 contract has a $200 deductible on Section I

A manager in a company gives 5 percent merit pay increases each year to employees who perform well. Some of those employees started with substantially lower base pay raises. Over time, which of the following could be a result?

A) negative halo effect B) desire to be promoted C) undesirable social structures D) contrast errors

Penalties for violations of OSHA regulations may run into the millions of dollars

a. True b. False Indicate whether the statement is true or false