________ refers to gathering primary data by selecting matched groups of subjects, giving them different treatments, controlling related factors, and checking for differences in group responses

The party against whom an administrative complaint is filed is the _____, who is afforded the right to respond to the complaint in writing.

a. Petitioner. b. Appellant. c. Plaintiff. d. Respondent.

Carelessness or indifference to a loss is an example of

A) physical hazard. B) objective probability. C) moral hazard. D) attitudinal hazard.