Which of the following marketing techniques refers to the application of business intelligence systems to the planning and execution of marketing programs?

Which statement(s) is(are) true with respect to the traditional net cost method of calculating the cost of life insurance?

I. It ignores the time value of money. II. Life insurance is often shown to be free. (a) I only (b) II only (c) both I and II (d) neither I nor II

Which of the following are NOT part of a company's microenvironment?

A) suppliers B) competitors C) governments D) customers E) distributors