Who pays the points on a Cal-Vet loan:

Mutual funds eliminate the systematic risk through diversification

Indicate whether this statement is true or false.

Research on downsizing has shown that when organizations ________, they tend to bounce back faster when the upturn hits

A) resist or delay layoffs as long as possible B) begin the layoff process as soon as possible C) use an incremental approach to downsizing D) lay off the entire workforce