Essential to effective writing– whether you're a novelist or public relations writer–is first devising an idea and then stating it simply and clearly for a particular audience

As a member of an online social network, the recommendations you write

A) must include extensive detailed information. B) cannot be seen by the other network members. C) become part of your online brand. D) don't affect your online profile. E) require little thought or planning.

BBB Auto Club provides emergency road service and other services to its members. BBB Auto Club charges a higher membership fee to new members than it charges to members who are renewing their membership

When asked to explain this pricing policy, the auto club president noted, "New members often sign-up prior to taking a long road trip, so we have to charge more as first-year members have higher service utilization rates." A similar phenomenon observed in insurance markets is called A) attitudinal hazard. B) adverse selection. C) risk aversion. D) moral hazard.