Which one of the following investments is least applicable to retirement savings for someone in their 20s?

A salesperson who is an independent contractor

a. cannot be charged for office space or supplies provided by the broker. b. is not subject to any direction or control by the broker. c. is paid commission based on sales results. d. is paid for the number of hours worked.

An organizational condition for bringing about creativity centers around

a. a penalty system for noncreative thought. b. a relaxed dress code for everybody including executives. c. an open work environment with very few private offices. d. encouragement and emotional support for attempts at creativity.