In ________, text-based ads and links appear alongside search engine results on sites such as Google, Yahoo!, and Bing

With respect to the regulation of variable contracts and those who sell them, which of the following statements is most accurate?

A) Variable contracts and their distribution are regulated exclusively by the Department of Insurance because state regulation supersedes federal regulation. B) Variable contracts and their distribution are regulated separately (often with conflicting regulatory demands) by the Department of Insurance, the SEC, and FINRA. C) Variable contracts and their distribution are regulated separately but in a fairly coordinated fashion between the Department of Insurance, the SEC, and FINRA D) Variable contracts and their distribution are regulated exclusively by the Securities Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) because federal regulation supersedes state regulation."

The first step in formulating and conducting research is to:

A) define the problem. B) collect information. C) select unit of analysis. D) examine data availability. E) design research.