________ are formal, employee-elected groups of worker representatives that meet monthly with managers to discuss topics affecting the employees

Owners of ____________ shares are usually denied the right to vote.

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

The characteristics of a totten trust include:

a. it is a joint bank account opened by the settlor of the trust. b. it is tentative. c. transfer of ownership is complete only on the depositor's death. d. All of these.