The initial contract rate on adjustable-rate loans is typically above that on fixed-rate loans

Truly innovative companies don’t rely only on one source or another for new product ideas. Instead, they develop extensive innovation networks that capture ideas and inspiration from every possible source, from employees and customers to outside innovators and multiple points beyond.

Indicate whether the statement is true or false.

________ rulemaking combines some of the aspects of formal and informal rulemaking

A) Hybrid B) Conglomerate C) Congruent D) Economies-of-scale