Jeanette Thompson, a native Texan is being sent by her company, Nestle of Switzerland, to head up a new facility in Hong Kong. Jeannette would be considered a(n):

The first step in the instructional design process is:

A. creating a learning environment. B. conducting a needs assessment. C. selecting training methods. D. ensuring employees' readiness for training.

Which of the following falls under the definition of a limited policy?

A) Long-term care insurance B) Accidental death and dismemberment (AD&D) insurance C) A flat-benefit disability policy D) A prescription drug plan