Identify the concept that emerged in the mid-1950s as a customer-centered, sense-and-respond philosophy

A company was required by law to change its physical work environment in such a way so as to enable disabled people to function properly. Since the company followed a(n) _____ ethics program, it did not stop at just making changes that would help it stay out of trouble with the law. It went further and trained its employees to be sensitive toward disabled people

A. competency-based B. conformity-based C. rule-based D. integrity-based E. compliance-based

What is the drawback of deposit insurance facility?

A. Even when the DI is in trouble, the deposit holder has no incentive to run. B. DIs are more likely to increase the liquidity risk on their balance sheets. C. Deposit holder's place in line affects his or her ability to obtain their funds. D. Deposit insurance does not deter contagious runs and panics. E. Deposit holders are less likely to panic if there is a perceived bank solvency problem