Because the economies of the U.S. and other overseas countries have become more integrated, the risks of financial intermediation have decreased.

Which of the following is not a defense available to an employer to justify a disparity in pay?

A. A difference in gender B. A seniority system C. A merit system that is being followed in good faith D. A system measuring pay on the basis of quality/quantity production

The most destructive termite in California is the:

a. Drywood termite. b. Dampwood termite. c. Conehead termite. d. Subterranean termite.