An agency may be established by:

Louise applied for a $40,000 life insurance policy, paid the initial premium, and received a conditional receipt. Which of the following statements is NOT correct?

A) If Louise completed her requirements by taking the required medical exam, but died 4 days later from an accidental fall, the insurer would still pay the beneficiary the coverage amount as long as the policy was issued as originally applied for. B) If Louise died of a heart attack 1 day after completing the medical exam, which fulfilled her requirements, the insurer would continue to underwrite the policy as if she were still alive. C) If Louise died of a heart attack 1 day before taking the required medical exam, the insurer would still pay the beneficiary the coverage amount stated in the application. D) If Louise died from an accidental fall a few days before her required medical exam, the insurer would return the full premium that was paid with the application with no coverage ever having gone into effect

Ahmed is CEO of Cook-Rite, a company that manufactures kitchen appliances. Recently he decided to add a third shift to help lower the company's per-unit production costs. What business strategy is Ahmed implementing?

A) outsourcing B) economy of scale C) mechanization D) hybridization