Using gender, age, ethnicity, and income as market segmentation variables is the application of which approach?

An interest penalty is associated with a CD, but not with a money market deposit account

Indicate whether the statement is true or false

According to researcher Philip Zimbardo, which of the following organizational conditions can lead to abuse toward human beings by people in authority?

a. secrecy b. vague or changing rules c. diffusion of responsibility d. all of the above