An example of a goal statement expressed positively is "I will reduce negativity in my department this upcoming year by as much as 25 percent."

All of the following are true about residential appraisals EXCEPT:

a) Since a borrower's available cash for closing is generally limited and the lending guidelines are rigid, the loan originator should carefully review the appraisal for any errors. b) A lender will generally limit the loan to a maximum percentage of the appraised value of the property. c) The appraiser's final estimated market value readily allows for an increase in settlement costs up to 10% before the closing. d) A successful closing can be highly dependent on the appraiser's opinion of value.

In 2012, U.S.-based Wal-Mart received approval to merge with Massmart, a discount retailer in South Africa. This action further solidifies Wal-Mart as what type of entity?

A) exporter B) importer C) e-commerce merchant D) multinational corporation E) outsourcer