_______ systems are automated methods of verifying or recognizing identity on the basis of some physiological or behavioral characteristic

Jack has applied for a refinance of his mortgage, which is secured by a first lien on his home. He asks if he can see the appraisal report that his lender ordered. Jack learns that:

a. He is only entitled to a copy of the appraisal if his loan application is denied b. He must file a written request for a copy of the appraisal c. The lender will provide a copy of the appraisal at closing d. The lender must provide a copy of the appraisal upon completion or three business days prior to consummation, whichever is earlier

When did the first online communities form?

A) the 1970s B) the 1980s C) the 1990s D) the 2000s