Polygraph tests are generally not permissible in private industry

Tina's health insurance coverage includes a provision that excludes from coverage physical or mental conditions that existed prior to issuance of the policy and were not disclosed on the application. This provision is the:

(a) preexisting conditions clause (b) second injury clause (c) recurrent disability clause (d) renewal provision

Having partners from another country can have advantages which include all of the following except:

A) reducing product development costs. B) securing technology. C) access to capital. D) shared risks. E) increased competition.