Life cycle objects help to manage other objects

Of the following costs and fees involved in purchasing real property, which is considered a finance charge under the Federal Truth-in-Lending Law and must be included on the disclosure statement:

A: Document preparation fees; B: Notary and appraisal fees; C: Assumption fees; D: Fees for title insurance

Which of the following is true about global products?

A) They always carry the same name and image from country to country. B) They are offered in every world region at every stage of development. C) They are a symbol about which customers have beliefs and perceptions. D) They are exclusively used as an umbrella for introducing new products in the market.