Undertaking strategies of differential pricing, reservation systems and charging for missed service appointments address which characteristic of services?

Which of the following is not true regarding RESPA's requirement to provide a list of homeownership counselors?

a. The list may be no more than 60 days old b. The list must be obtained from the CFPB, or from HUD or CFPB data c. It is the lender's responsibility to ensure that the applicant receives this list d. Reverse mortgage transactions and timeshare plans are exempt from this requirement

The "layers of advantage" approach to global competitive innovation is based on using know-how developed by other companies

Indicate whether the statement is true or false