Telephone surveys have the disadvantage of being associated with telemarketing

Which of the following is a challenge presented by downsizing?

A) It cannot be used when there is labor surplus. B) Downsizing is not effective if the organization has many temporary workers. C) Downsizing is not effective if the organization is dependent on contract labor. D) Surviving employees' morale would decline. E) It would lead to an immediate labor shortage.

On December 1, 2016, Gardner Products borrowed $92,000 on a 5%, 10-year note with annual installment payments of $9,200 plus interest due on December 1 of each subsequent year

Which of the following describes the first installment payment made on December 1, 2017? (Round your answer to the nearest whole number.) A) $9,200 principal plus $4,600 interest B) $9,200 principal plus $460 interest C) $9,200 principal plus $9,200 interest D) $4,600 interest only