If Melba is more influenced by negative information than by positive information in her decision-making, then she is experiencing the attribute framing effect

For loans on one to four residential units not made or arranged by a real estate broker, prepayment charges can

A. be charged only for five years. B. not be charged on payments up to 20% of the original loan in one year. C. not exceed six months' interest. D. be all these.

Urging readers to act in the close of a proposal

A) is an offensive, hard-sell tactic that should be avoided. B) is acceptable if you know the audience well, but inappropriate for new clients. C) is an effective and reasonable strategy. D) generally works well, but never when responding to government RFP's. E) is effective only when your text is organized in the direct approach.