Someone who enters another person's land or building with the implied or expressed permission or consent of the owner or possessor, for the benefit or convenience of the visitor, is a(n)_________ . If the person enters to conduct any commercial activity, the visitor is a(n)_________ . The landowner must be more protective of the latter than the former

Each of the following is a result of poor Human Resources planning, EXCEPT which one?

A. Low morale B. Increased number of employees C. Haphazard compensation programs D. Outmoded recruitment practices

Which of the following statements regarding the Coverage E limit in the homeowners policy is true?

A) It is an aggregate limit, and once the amount paid for one or more claims reaches the limit, no additional coverage is provided. B) The limit applies only if a court orders the insured to pay—there is no coverage for settlements reached out-of-court. C) Any legal defense costs incurred by the insurer are counted against the limit of liability. D) The limit applies on a per-occurrence basis to bodily injury and property damage liability.