In general, long-term unsecured debt is less costly than long-term secured for a particular firm

Peter automates his email inbox such that his incoming mails are filtered and all the junk mails are sent directly to the spam folder. This saves him time as he does not have to sort through the mails to find his work-related mails

He also creates a group mailing list for his team that makes it easier for him to send mails to the entire team instead of including their email addresses individually. In this scenario, Peter is using information systems tools to ________.A) improve individual productivity B) keep his information secure C) transform his information D) make data-driven decisions

A(n) ________ is a group of firms producing a similar product or service, such as soft drinks, airlines, or smartphone apps

A) cluster B) division C) sector D) industry E) network