River Rafting Adventures of Iowa provides rafts and tour guides to tourists eager to ride the wild rivers of Iowa. Management has determined that there is one chance in a thousand of a client being injured or killed. Settlement of resulting lawsuits has an average cost of $650,000. Insurance with a $50,000 deductible is available. It covers the costs of lawsuits, unless there is evidence of criminal negligence. What is the impact of this risk without insurance?

An employer faced with violating seniority rights of employees established under a collective bargaining agreement in order to accommodate the religious beliefs of an employee whose religion requires him or her to recognize Saturday as a day of rest:

A. must accommodate the request. B. does not have to accommodate the request because it would be an undue hardship. C. must offer to transfer the employee to another job. D. does not have to accommodate the request because Title VII does not apply to union employees.

How does the definition of quality differ from the customer and manufacturer perspectives?

What will be an ideal response?