The off-retail markdown percentage equals average dollar markdown as a percent of net sales

Anya sends a memo that describes a proposed program as a benefit for the company, but her use of the word "I" to begin the majority of her sentences signals that she is mostly concerned with her own advancement. Anya has sent a confusing meta message that undermines her credibility.

Indicate whether the statement is true or false.

General macroeconomic risks may affect all risks of a financial institution.

a. true b. false