Secondary content that offers a coupon, rebate, or special service is called

Sam has a $200,000 convertible life insurance policy. If he chooses, he can:

A. Purchase an individual annuity for any face amount using the 1035 exchange privilege. B. Purchase another term policy and increase his death benefit without proof of insurability. C. Convert to a whole life policy for the same face amount without proof of insurability. D. Convert to another term policy with a lower face amount without proof of insurability.

When Abe goes shopping, he comes across a T-shirt that is priced at $35. Although he wants to buy it, judging from the material used, he feels that the T-shirt should only cost $20. What reference price is Abe using here?

What will be an ideal response?