ABC hospital creates a new service which then causes XYZ hospital to create a similar service. This suggests that XYZ experienced a(n) force for change that caused a(n) change

Employee Y, who is 44 years old, is provided with $120,000 of nondiscriminatory group term life insurance by his employer. Based on the IRS uniform premium cost table, the total annual cost of a policy of this type is $1.20 per $1,000 of coverage. Y's required contribution to the cost of the policy is $4.00 per month. Y was covered for the entire year. How much of the cost must Y include in his income?

a) $96 b) $0 c) $84 d) $36

Which of the following is a major threat facing the brick-and-mortar manufacturers when they add an e-commerce channel?

A) It creates the possibility of a backlash from the existing intermediaries. B) It increases the likelihood of product cannibalization. C) Successful implementation leads to a significant increase in operational costs. D) It significantly increases the resource requirements of the organization. E) E-commerce channels often have low potential for attracting customers.