A good way to remember a layer stack (or protocol stack) is: All People Seem To Need Digital Power

According to the theory of deep ecology:

a) people feel depressed when their home environment changes. b) human interference with nature is now excessive and must be drastically reduced. c) human beings have duties not only towards fellow humans but also towards nature. d) rural life is superior to city life.

If an agent or producer diverts funds belonging to an insurer to her own use, she has committed the illegal act of

A) embezzlement B) theft C) commingling D) fraud"