________ may be isolated from society and have fewer social connections, which can prevent these people from seeing the benefit of an innovation or change

Which of the following activities is NOT an example of misrepresentation?

A) A producer tells a prospect that the policy has received a certain level of dividends for the past 5 years. B) A producer participates in twisting. C) An insurer advertises a life insurance policy as a "retirement savings plan." D) A producer tells a prospect that the insurer has a higher A.M. Best rating than it actually has."

In which of the following cases do federal courts have exclusive jurisdiction?

A) cases involving sales and lease contracts B) federal question cases C) suits against the United States D) diversity of citizenship cases