The knowledge of a finance consultant can be classified as a(n) _____

Deficient products are products ________

A) that have neither immediate appeal nor long-run benefits B) that give high immediate satisfaction but only hurt consumers in the long run C) that have low appeal but may benefit consumers in the long run D) that are either unsafe or inferior E) in the decline stage of the product life cycle

In a culture that values ________, people tend to subordinate their personal goals to those of a stable group, family, or team

A) collectivism B) individualism C) long-term goals D) short-term goals E) ethnocentrism