Which of the following is NOT a trend that is expected to provide new opportunities for marketers?

The Equal Credit Opportunity Act (ECOA) provides that

A) minorities and women be given special consideration in granting credit. B) individuals cannot be denied credit because of gender or minority status. C) the Federal Government guarantees loans made to minorities and women to encourage lending by financial institutions. D) financial institutions must meet a federal quota for loans to minorities and women, or lose federal deposit insurance protection.

Four employees received feedback from their managers. Jose was told what he did wrong and was given a warning. Jolette was told that she has been too shy in team meetings and is not speaking enough

Richard was told that his unique skill of analysis has been very valuable to the team. Gloria was told about some errors she made on the reports the team produced. Who will most likely feel highly engaged and be more productive? Why will this person be more engaged and productive? What can be done through feedback to help the other team members be more engaged and productive? What will be an ideal response?