Which of the following provisions is optional in an individual health insurance policy?

In terms of copytesting, all of the following criticisms have recently been voiced, except:

A) copytests stifle creativity that is needed to produce ads that stand out B) copytests favor emotional approaches in advertising C) copytests tend to lead to ads about product benefits that are believable and understandable to a focus group D) members of focus groups know little about creativity and are not legitimate judges of creative advertising

Which role has the practitioner collaborating with other managers in applying management processes?

A. Expert prescriber C. Communication facilitator B. Communication technician D. Problem-solving process facilitator