Core competencies are developed by organizations over long periods of time

Which of the following statements is true with regard to the kidnap/ransom extortion coverage available through ISO's Commercial Crime Coverage program?

A) Ransom is covered only if the hostage is returned alive. B) Money surrendered as a result of an extortion threat is covered. C) The kidnap/ransom coverage is limited to the direct loss associated with the kidnapping–the ransom payment. D) This coverage can only be written on a monoline basis and cannot be combined with other crime coverages.

Which of the following is not a category of fixed costs?

A) Depreciation B) Utilities C) Capital D) Raw materials