Each of the following is a type of reinforcement/behavior modification, EXCEPT which one?

Which of the following statements reflects a violation of Age Discrimination in Employment Act?

A. Older employees are permitted to work even after attaining the retirement age. B. Employees over the age of 40 are asked to retire as a part of a company's downsizing program. C. An employee is denied employment because of the fact that he is a minor. D. Older workers in an organization are compensated higher than the younger workers. E. An employee avails voluntary retirement before attaining the retirement age.

Which of the following are true of mortgage interest rates?

A) Interest rates on mortgage loans are determined by three factors: current long-term market rates, the term of the mortgage, and the number of discount points paid. B) Mortgage interest rates tend to track along with Treasury bond rates. C) The interest rate on 15-year mortgages is lower than the rate on 30-year mortgages, all else the same. D) All of the above are true. E) Only A and B of the above are true.