Negotiable instruments are used as a substitute for money

Which of the following was not a major reason for the savings institution crisis in the late 1980s?

a. large losses on real estate loans b. large losses on loans to less-developed countries c. fraud d. illiquidity e. increased interest expenses

A disguised communication approach to collecting data:

a. Helps eliminate response bias b. Is used to help create a more natural data collection environment c. Always involves active deception d. All of the above e. A and B