Machinery such as ATMs and online customer services can reduce the ______ that comes from increased contact with human employees.

Which of the following statements pertaining to the conversion privilege in group health insurance policies is NOT correct?

A) Insureds who resign or are terminated have 365 days in which to convert their coverage to individual policies. B) A conversion privilege applies when a group health policy is terminated. C) Some states specify minimum benefits for conversion policies. D) An insured who is terminated from the plan can obtain a conversion policy without evidence of insurability within a specified time."

Core Concepts Inc,. has experienced stock returns of 8.4%, 6.3%, and 14.2% over the last three years. Over this time period, what has been the firm's arithmetic average annual rate of return?

A) 9.58% B) 9.63% C) 9.88% D) 9.92%