Many firms are realizing how work is organized within a plant can be a source of ___________________

All of the following are advantages of purchasing workers' compensation insurance from a private carrier, EXCEPT:

A. The insurer bears the cost of the claims investigations & claims payments. B. The ability to purchase "employer's liability" coverage as part of the policy. C. The high deductibles D. The ability to purchase "other states" insurance as part of the policy.

Which country or region offers direct marketers the advantage of a well-developed mailing list industry?

A) the United States B) Japan C) Western Europe D) Latin America E) South Korea