Master Card and other credit card issuers must by law print the Annual Percentage Rate (APR) on their monthly statements. If the APR is stated to be 18.00%, with interest paid monthly, what is the card's Effective Annual Rate%?

_____ forces are influences on an organization arising from changes in the characteristics of the population, such as age, gender, or ethnic origin.

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

Kraft's marketing efforts for its Macaroni & Cheese include paid television commercials and magazine inserts. These are examples of activities associated with:

a. advertising. b. franchising. c. personal selling. d. nonstore retailing.