A consumer who is armed with information and is narrowing down his choices and comparing the pros and cons of each remaining option is in the ________ step of the consumer decision-making process

Which of the following is NOT a cloud on title?

a. a valid first mortgage b. a recorded contract for deed under which the buyer's rights have been judicially terminated c. a recorded option contract whose option period has expired d. a recorded mortgage that has been paid in full but a satisfied has never been recorded

Given a cash value policy with the following characteristics: face value = $200,000, cash value = $50,000, outstanding loans = $10,000 and surrender charges = $1,000, the cash surrender value is

A) $199,000. B) $59,000. C) $49,000. D) $39,000.