________ are the most common tool to resolve conflicts arising between labor and management during the life of the agreement

Smith and Brown own abutting property that borders a river. Over the years, soil from Smith's riverbank is washed onto Brown's riverbank. Who owns the soil that was washed from Smith's to Brown's property?

a. Smith b. Brown c. the state d. none of the above because all riverbank owners have riparian rights

Which of the following statements about second-to-die life insurance is (are) true?

I. The insurance is a form of endowment coverage. II. The premium is lower than the combined cost of purchasing a life insurance policy on each insured. A) I only B) II only C) both I and II D) neither I nor II