Transactions are recorded using debits and credits in a(n):

Home buyers are typically required to obtain PMI if their down payment that is less than ______ of the value of the home

A. 5% B. 10% C. 15% D. 20%

Clemente Santiago has formed a business that sells carved gourmet coconuts. He has hired five employees. The most senior is Mary, who manages the carving process. Jane is the newest employee. She collects the coconuts. Joe takes calls from unhappy customers. Tom tosses finished coconuts into the sea, sending them to the wholesaler. Annie sends letters to the wholesaler extolling the virtues of

the latest production run of nuts that are drifting across the bay. Which of the following functions in the value chain is Mary performing? A) Inbound logistics B) Operations C) Outbound logistics D) Marketing and sales E) Service