A flexibility-based approach to vertical integration suggests that when the decision-making setting regarding a business activity is highly uncertain, firms should form a strategic alliance to enter this activity instead of vertically integrating

All of the following are rights of policy ownership EXCEPT

A) selecting a settlement option B) changing a policy provision with the agent's approval C) designating beneficiaries D) selecting a nonforfeiture option"

Jeannie schedules a meeting with her sales colleagues scattered across the country. She needs to be cost effective and time sensitive so she sets up a meeting online where all can see and hear each other in order for the sales figures to be worked through as a team. This is an example of which type of business communication?