When you expect the receiver of your claim message to agree with your claim, you should use the direct strategy

With regard to substandard life insurance risks, which of the following statements is CORRECT?

A) An applicant can be deemed a substandard risk based on physical condition only; no other criteria may be considered. B) To provide coverage to substandard risks, insurers are allowed to charge an extra premium; however, they cannot alter benefit periods or waiting periods. C) Because of stringent underwriting requirements, most life insurance applicants are classified as substandard risks. D) When the applicant represents a substandard risk, the policy may be modified to reduce the benefits provided. "

What style of documentation is used in the following bibliographic citation? Smith, B. (2008). Document your life: You can't live without it. New York: Harpers

A) Turabian B) MLA C) Chicago D) APA