Which of the following would you use to apply multiple regression to situations when independent variables are categorical?

A group whose members work intensely with one another to achieve a specific common goal or objective is called a(n) ______.

-interested parties -networker -performer -team

______________ accept the savings of individuals and lend pooled savings to individuals primarily in the form of mortgage loans and operate almost entirely in New England , New York, and New Jersey, with most of their assets continuing to be invested in mortgage loans.

a. Commercial banks b. Thrift institutions c. Credit unions d. Finance companies e. none of the above