An important advantage of e-learning is that it provides a fear-free and privacy-protected environment in which students can put forth any idea without fear of looking stupid

The likelihood that borrowers are ill and would not be able to make interest and principal payments is an example of:

a. interest rate risk b. credit (default) risk c. liquidity risk d. capital adequacy risk

Doing all of the following EXCEPT ________ will improve the message's readability

A) using a mix of short, medium, and long sentences B) using bulleted and numbered lists to emphasize key points C) using headings and subheadings to make the document easy to skim D) making sure that the information is accurate, relevant, and sufficient