CRM systems lack integration with the enterprise wide data collection and analysis systems

After Mr. Gardner purchased his home, he discovered, by survey, that his neighbor's garage was three feet over on his newly acquired property. This disturbed him greatly. For remedy, if a friendly settlement cannot be reached, he should bring civil suit against:

A: The broker, for failure to disclose the encroachment; B: His neighbor; C: The Real Estate Commissioner; D: The title company, for failure to show the encumbrance on the standard form title report.

If the forward exchange rate is an unbiased predictor of future spot rates, then future spot rates will always be equal to current forward rates

Indicate whether the statement is true or false.