Tom usually buys new devices such as PDAs, DVRs, and MP3 players only after his friends and family start owning these devices. In this case, Tom is an innovator

Creating and maintaining a positive work environment requires a _______, __________ approach on the part of managers.

A. organized; responsible B. constant; methodical C. consistent; responsible D. consistent; methodical E. frequent, methodical

In a ________ agreement, the investment banker makes no guarantee regarding the price the issuing firm will receive, but agrees to sell the securities on a commission basis

A) best efforts B) brokered C) private-placement D) jump-start