The maximum fine for each flagrant violation of the Unfair Trade Practices Act is

Sales promotions are ________________ efforts directed to the consumer or retailed to achieve such specific objectives as consumer-product trial or immediate purchase.

Fill in the blank(s) with the appropriate word(s).

Ryan decided to review his personal risk management program. His car is 10 years old, and he would receive little money from his insurer if the car was damaged or destroyed. Ryan decided to drop the physical damage insurance on the car

From a risk management perspective, dropping the physical damage insurance on the car is best described as A) increasing the use of avoidance in the risk management program. B) increasing the use of noninsurance transfer in the risk management program. C) increasing the use of retention in the risk management program. D) increasing the use of risk control in the risk management program.