In terms of the hierarchy of effects model, cognitive message strategies would be most closely tied to which stage(s)?

Many employee benefits are taken for granted primarily because

(a) too much information is given about benefits (b) employees demand increases in base pay rather than increases in benefits (c) the cost of benefits cannot be determined (d) employers fail to communicate the value of benefits to their employees

Which of the following characteristics apply to collateralized mortgage obligations?

I. All bondholders receive a pro-rata share of all interest payments. II. CMOs are derivative securities created from mortgage-backed bonds. III. All principal payments are paid to the shortest remaining tranche. IV. CMOs have definite maturity dates for each tranche. A) I and II only B) I and III only C) I, II and III only D) II, III and IV only