A(n) ________ is a person whose advice or view carries some weight in making a final purchasing decision

Ted owns an auto parts store. In exchange for a premium discount from his insurer, he promised that no cash would be kept on the premises overnight and that two guard dogs would patrol the grounds at night. Ted's promises were incorporated into the insurance contract. His promises are:

(a) representations (b) warranties (c) waivers (d) expressed powers

A balloon payment on a real estate loan is:

A. the final payment to pay off a loan B. the smallest payment made on the loan C. more than twice the amount of the smallest payment D. a payment made by a guarantor of the loan