________ are brief statements representing generalizations or advice

A customer data base can more easily be developed and maintained in all forms of direct marketing than in other forms of retailing because _____

a. goods are shipped to a customer's home or office b. consumer concern for privacy is high c. consumer responses to promotions are typically high d. high direct marketing clutter exists

If an instrument is payable jointly using the word "and," both persons' indorsements are necessary to negotiate the instrument

Indicate whether the statement is true or false