Online marketing shifted power from buyers to sellers.

Cloud-based music services are expected to have a major impact on the mobile music business. The reason for their popularity includes all of the following except:

A) they are a hybrid between subscription and online store business. B) this new approach addresses some of the shortcomings of the existing methods. C) they offer users a music locker "in the cloud." D) music services can be purchased from a variety of mobile devices. E) the pricing schemes for various services are simple.

One method of ensuring the solvency of insurers is a periodic review, every three to five years, of insurers that operate on a multistate basis. This review is coordinated by the NAIC. This review is called a(n)

A) annual report. B) early warning system. C) field examination. D) inspection report.