Air travelers are captive audiences for a temporary time period

For which of the following reasons have large pharmaceutical companies been forming alliances with biotechnology companies?

a. To evade legislative restrictions on drug research in the United States b. To develop new products and bring them to market c. Because both firms had declining profitability and needed cash infusions from other firms d. In order to gain absorptive capacity

Installment notes often include an "or more" clause. Such a clause would:

A: Allow an accelerated payoff; B: Indicate that the note has several makers; C: Provide for a loan moratorium in the event of a disaster; D: Make it possible to borrow additional money on the same note and trust deed.