________ software are applications written by third-party vendors that are used by many different users and organizations

If an employer pays all the premiums for a group life insurance policy, the policy must insure

A) at least 50% of the eligible employees B) at least 75% of the eligible employees C) at least 40% of the eligible employees D) all eligible employees

The average annual return on IBM from 1996 to 2005 is closest to ________

Consider the following realized annual returns: Year-end S&P 500 Realized Return IBM Realized Return 1996 23.3% 45.7% 1997 24.7% 26.7% 1998 31.6% 85.0% 1999 9.0% 23.1% 2000 -2.0% 0.2% 2001 -17.3% -3.2% 2002 -24.3% -27.0% 2003 32.8% 26.6% 2004 4.4% -5.1% 2005 7.4% -11.3% A) 18.48% B) 16.07% C) 19.28% D) 28.93%