When making any change to the database structure, we may need to check for effects of the change on any of the following except ________

A buyer is unfamiliar with the concept of discount points and asks a licensee to explain. The licensee responds " Discount points are used to replace funds that are being held by the Federal Reserve, so that more funds are available to lend." Is that description correct?

A. No, discount points are used to increase yield for lenders who will sell the loans on the secondary market B. No, discount points are used to pay brokers' commissions C. Yes, banks hold discount points in escrow until sufficient funds have been accumulated to make more loans D. Yes, discount points lower interest rates, which make loans more affordable for everyone

Which of the following is not an intercultural negotiation guideline?

a. Determine that the negotiation is feasible. b. Send the proper team including your own interpreter. c. Adjust to the way of life in the host culture. d. Agree to a bad deal; it is better than no deal.