Level ________ is the easiest standard to satisfy for issuing ADRs

Which of the following acts of legislation requires fair and accurate reporting of a consumer's buying and bill-paying history?

A) Employee Retirement Income Security Act B) Fair Credit Reporting Act C) McCarran-Ferguson Act D) Unfair Trade Practices Act"

John Adams plans to retire at the age of 62. He wants an annual income of $60,000 per year. He

believes that he will live to be 87. He will draw the money at the beginning of each year. How much money will he need when he retires in order to support his $60,000 annual life style if he will average 12 percent per year on his retirement account? A) $470,586 B) $527,059 C) $505,302 D) $439,800