Ozone-depleting gases such as chlorofluorocarbons are tiny, tough molecules that defy natural breakdown processes.

An impact of the Garn-St. Germain Act of 1982 has been to

A) put savings and loans at a competitive disadvantage. B) make the banking system more competitive. C) give money market mutual funds a competitive advantage. D) do both A and B of the above. E) do both A and C of the above.

Successful differentiation enables firms to set prices at the industry average and gain market

share. Indicate whether the statement is true or false