Disparate impact exists if an employer gives less favorable treatment to employees because of their race, color, religion, sex, or national origin.

The distribution of savings to groups of employees who reduced costs and increased measurable productivity is known as __________

Fill in the blank(s) with the appropriate word(s).

Which of the following insurance program is designed to make property insurance available to urban property owners who are unable to obtain afordable property coverage in the private market?

a) FAIR Plans b) ISO Homeowners Program c) ISO Dwelling Program d) Federal lood insurance