A company was required by law to change its physical work environment in such a way so as to enable disabled people to function properly. Since the company followed a(n) _____ ethics program, it did not stop at just making changes that would help it stay out of trouble with the law. It went further and trained its employees to be sensitive toward disabled people

Rick purchased an annuity, making a single lump-sum payment on September 1. His benefits began on October 1 . What kind of annuity did Rick buy?

A) Secondary B) Immediate C) Deferred D) Continual

What does the MARS Rule say about mortgage assistance providers' right to collect a fee?

a. Fees are permitted, but only from the lender b. Fees are permitted up front, but only if full disclosures are made to the client c. Fees are permitted, but not until a written agreement exists between the consumer and the lender d. Fees are not permitted