Most often you merge cells in the top row of a table when including a header row

A bank requires tellers to get manager approval when a customer wants to open a new account. A recent audit shows that there have been four cases in the previous year where tellers opened accounts without management approval. The bank president thought separation of duties would prevent this from happening.In order to implement a true separation of duties approach the bank could:

A. Require the use of two different passwords held by two different individuals to open an account B. Administer account creation on a role based access control approach C. Require all new accounts to be handled by someone else other than a teller since they have different duties D. Administer account creation on a rule based access control approach

____ can help businesses be more efficient and save them money by shifting usage and the consumption of resources, such as servers and programs, from a local environment to the Internet.

A. Cloud computing B. Operating systems C. Applications D. Databases