Nonrestrictive indorsements contain instructions from the indorser

Historically speaking, ___________ taken as a group has/have generally been a surplus economic unit in the past:

a. individuals b. business c. financial institutions d. a and c e. none of the above

________ refers to a stage in the gift-giving process, where the giver procures an item to make some event

A) Gestation B) Presentation C) Reformulation D) Ritual artifacts