Direct marketing has not been growing as fast as U.S. retail sales

Effective marketing does not end at the ________.

A. initial considerations of options B. evaluation of options C. advertisement D. peer recommendation E. point of purchase

With respect to the global marketplace, what did the meltdown of the financial services sector in the fall of 2008, and the accompanying recession of 2009 bring to the forefront?

A. liquidity and solvency issues B. interdependency and connectivity C. growth and development issues D. regulatory policies E. spending issues