Companies that are not committed to shared value, view value creation as something that includes only the top management and shareholders

Life-cycle financial planning means

A) that life-long goals are recognized and attended to at each phase in the life cycle. B) attending to life-long goals sequentially through life?buy insurance when you are young, plan retirement when you are old, etc. C) planning an estate to pass to your heirs so that the family's life-cycle never ends. D) gearing life-long financial decisions to minimize your total income tax liability.

_____ are commonly used in the car and electronics industries to entice consumers with cash-back offers

a. Premiums b. Coupons c. Rebates d. Samples