A top-of-mind brand creates the impression that it is the easiest to buy

Which of the following is least likely to occur during a "hard" insurance market period?

A) difficulty in obtaining insurance B) tightening underwriting standards C) higher insurer profits D) increasing premiums

Excessive speed is a major cause of road crashes in Australia. The Australian government is thinking of using cameras to catch speeders. According to reinforcement theory, Australian officials are using ____ to control speeding

A) avoidance learning B) expectancy modification C) negative reinforcement D) positive reinforcement E) punishment