________ teaches marketers that they can build demand for a product by associating it with strong drives, using motivating cues, and providing positive reinforcement

A zoning action changed the zoning of an area from commercial to residential. This change in zoning classification would be known as:

A. combining zones B. spot zoning C. split zoning D. downzoning

A signed release to substitute a new mortgagor for the original mortgagor is called:

a. A novation b. A mortgagee c. An assumption d. An estoppel certificate