Issuer's offering of up to $5m in securities in any 12 month period is _________ from registration.

Long-term orientation:

a. is often marked by persistence, thrift, and frugality. b. values immediate results. c. places greater emphasis on reciprocation of greetings and rewards. d. gives importance to personal representation and honor. e. separates the individual from the family.

Which of the following statements regarding consumer rights is NOT correct?

A) Consumers may dispute information in their reports. B) Reporting agencies may not delete information in reports when proved incorrect. C) Insurers may use consumer reports as additional underwriting information. D) Reporting agencies may reinvestigate disputed information. "