Developing the technology for an innovation is the first step in which type of innovation?

Greta is marketing a product that is technologically advanced and requires a great deal of explanation. Which direct response tool should she use?

A) direct mail B) e-mail C) infomercial D) inbound telemarketing E) outbound telemarketing

RST Company offers a qualified retirement plan. Each employee contributes 4 percent of his or her pretax income to the plan, and RST matches the employee's contribution

An employee's benefit at retirement is determined by his or her account balance at the time of retirement. What type of retirement plan does RST offer? A) defined benefit, flat percentage of annual earnings B) defined benefit, flat dollar amount for all employees C) defined benefit, unit-credit formula D) defined contribution money purchase plan