Third-country nationals hold citizenship in three countries

Which of the following is not a major limitation of direct marketing?

a. high direct marketing clutter b. dated prices and styles due to catalog printing dates c. the ability to target niche markets d. inability of customers to examine products prior to purchase

________ is/are a short-term, generally unsecured. corporate IOUs issued by the "most credit-worthy" firms

A) Repurchase agreements B) Commercial paper C) Negotiable CDs D) Treasury bills