One simple approach to improving efficiency is to physically

Al was named the beneficiary in his mother's life insurance policy. His mother died during the contestable period. The insurer denied payment, citing a material misrepresentation on the application

Al believes the insurer should pay the claim because the misrepresentation occurred on the application, and the application is not part of the formal agreement between the insurer and the policyholder. Which provision protects the insurer by making the application part of the formal agreement between the parties to the contract? A) incontestable clause B) entire contract clause C) ownership clause D) reinstatement clause

Which of the following is an example of a managerial factor affecting the choice of leader behavior?

A) the complexity of the organization B) the degree of trust and confidence that the leader has with followers C) followers' need for independence D) how important the decision is to the followers E) whether a time pressure exists for making a decision