Responsiveness, availability, end-user productivity, and resource sharing are benefits of __________ data processing.

Betty purchased a universal life insurance policy when she was 61. Upon her 66th birthday, she received sizable inheritance, paid an exceptionally large annual premium and, in doing so, violated the 7-pay test. The following year, hoping to correct the situation, she made no premium payment so that the average premiums paid were less than the 7-pay test average. Today the policy's cash value stands at $45,000, and her basis in the contract is $28,000. If she were to withdraw $30,000 from the policy's cash value, which of the following best describes the tax treatment this transaction would receive?

A) $28,000 of the distribution is tax-free, but $2,000 is subject to income taxation. B) The entire distribution is income tax-free. C) The entire $30,000 distribution is subject to income taxation. D) $13,000 of the distribution is tax-free, but $17,000 is subject to income taxation.

Marketers expect non-media connectors to use their own resources to

A) purchase advertising time and space. B) distribute free samples to prospective customers. C) take part in personal selling efforts on behalf of products. D) influence their friends, family, and people in their professional circles. E) conduct media audits to determine the size of their audiences.