________ is the process of collecting, analyzing, and interpreting data about customers, competitors, and the business environment to improve marketing effectiveness

In the context of making ethical decisions, the strength and persistence to act in accordance with one's ethics despite the challenges is known as

A. moral certainty. B. moral awareness. C. moral judgment. D. moral character. E. moral actionability.

________ takes place when an outside party pays for losses that occur.

a. Hold Harmless b. Risk Retention c. Risk Transfer d. Risk Adverse