First Direct is an example of a bank with too many branches

Which of the following statements is true?

a. The overhead budget is typically composed of variable overhead and fixed overhead b. The direct labor budget uses an average wage rate for direct labor c. The production budget is not converted into dollars d. The sales budget includes both units and dollars e. All of these

At the time of application, insurers must provide prospects for Medicare supplement policies with a copy of the:

A) insurer's warranty. B) Medicare supplement buyer's guide. C) Medicare rules. D) Notice for Renewal.