If market performance is unexpectedly bad, variable life's cash value can actually decline

Customers at Carat, a premium jewelry store, are encouraged to make an appointment before a visit so that a customer service representative is assigned to them

These representatives help every customer make a purchase that meets his or her needs and budget after considering numerous options. The different styles and special features of the jewelry are explained to each customer to aid the purchase decision. In this case, Carat is an example of a(n) ________. A) self-service retailer B) off-price retailer C) full-service retailer D) supermarket E) convenience store

Which of the following groups do marketers involve for the process of concept testing new products?

A) suppliers B) employees C) target consumers D) manufacturers E) competitors