The Newly Independent States refers to the ________

When a salesperson takes a listing which does not authorize the listing broker to accept a deposit from an offeror toward purchase of the property, the broker should advise his salesperson that:

A: The broker will not be able to accept a deposit from an offeror; B: It is an implied right of a broker to accept a deposit in behalf of the seller on any offer; C: A deposit will be accepted and retained by the broker from the offeror, but only as agent for the offeror; D: None of the above.

Suppose Pearce is at present in good health. Which factor most favors creating a health savings account (HSA) to ease the burden on the employee?

A) Pearce at present does not have savings that would pay for a major medical emergency. B) HSA-eligible health plans typically have lower premiums. C) The HMO previously used by Lighthouse did not include the physician that Pearce felt most comfortable seeing. D) If Pearce does choose to leave Lighthouse, the HSA is not forfeited but stays with him. E) With an HSA, Pearce will have to be more careful about spending excess money for health care.