Union membership in the United States has declined over the past years

If a mortgage broker decides to use telemarketing to establish leads for loan origination, which of the following should occur?

a. The broker should invest in a state-of-the-art predictive dialer b. The broker should stop calling current customers unless they have given consent c. The broker should only call former and current customers to ask for referrals d. The broker should obtain access to the Do-Not-Call Registry

Which of the statements below is NOT true?

A) Preferred stock is a form of hybrid equity financing. B) Retained earnings are a form of hybrid equity financing. C) Common stock is a form of equity financing. D) Corporate bonds are a form of debt financing.