In which type of policy does the insurer apply flexible premium to pay for the cost of insurance and expenses and then uses the remaining balance plus interest to build the cash value account?

During Broker Shaw's preparation of the Exclusive Authorization and Right to Sell on Seller Norman's property, Norman asked that a clause be included which would require the buyer to accept primary liability in connection with the existing first trust deed loan on the property. To best protect Seller Norman regarding his liability if the existing loan is transferred to the buyer, Shaw should enter which of the following in Paragraph 2 of the Exclusive Authorization and Right to Sell form:

A: Buyer to take the property "subject to" the loan; B: Buyer to "assume" existing loan; C: Buyer to pay all cash; D: Buyer to make a large down payment to preclude possibility of a foreclosure.

All but one of the following have been identified as characteristics of successful productivity programs. Which one is not a valid characteristic?

A. Use of latest technology in program B. Employee commitment to program C. Productivity goals D. Employee participation in program