Which of the three transformative forces mentioned in the chapter is associated with the Boston Consulting Group believing brand marketers must enhance their "digital balance sheets"?

Which of the following statements about cash versus accrual accounting is most correct?

a. In cash accounting, an event is recognized when a cash transaction occurs. b. In accrual accounting, an event is recognized when a cash transaction occurs. c. Most large healthcare organizations use cash accounting. d. Most small healthcare organizations use accrual accounting because it closely matches statements required for income tax purposes. e. In cash accounting, an event is recognized when the obligation for a cash transaction is created.

The entire contract of an individual health insurance policy includes all the following EXCEPT

A) endorsements and waivers B) the application and waivers C) endorsements and riders D) the Buyer's Guide and any riders