One benefit of a text message is that it conveys sincerity and personal attention

The processes by which decisions are evaluated and made on the basis of right and wrong in a company refers to its

A. distribution channel. B. ethical climate. C. legal responsibility. D. organizational dynamics. E. corporate code.

The tendency of higher-risk individuals to get and keep insurance is known as

A) substandard selection B) adverse selection C) misrepresentation D) excess risk"