The planning process that begins at the highest level in the organization and continues downward is top-down planning.

The concurrent causation exclusion in the Homeowners 3 policy specifies that:

A) if two or more perils jointly cause a loss, there is no coverage if one of the perils is excluded. B) if the insured has two or more policies in force at the time of the loss, the loss is not covered. C) if the insured has two or more policies in force at the time of the loss, the loss is pro-rated between the insurers. D) if two or more perils jointly cause a loss, there is coverage as long as one of the perils is covered.

In the majority of firms, the task of interviewing job candidates is shared between HR and the hiring department

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