The assumption underlying polygraph (or lie detector tests) is that lying can be detected by the specialist through the detection of changes in the subject's voice modulation pattern

A profitable customer ________

A) yields a cost stream that exceeds by an acceptable amount his revenue stream B) yields a revenue stream that exceeds the company's cost stream C) yields a cost stream that exceeds the company's revenue stream D) yields a revenue stream that exceeds by an acceptable amount his cost stream E) yields a revenue stream that equals the company's cost stream

To compute how much you would need to save each year for the next 25 years to allow you to withdraw $20,000 for the following 30 years, you would need to use

A) the future value of an annuity. B) the present value of an annuity. C) both future and present value of an annuity. D) both present and future value of $1.