Some consumers worry that they will be affected by marketing messages without even knowing it. They are concerned about ________

A written provision that adds to, deletes from or in some other way alters an insurance contract is called a(n):

(a) deductible (b) endorsement or rider (c) binder (d) coinsurance provision

The "Cycle of Mediocrity" is most often found in large, bureaucratic organizations like regulated oligopolies

Indicate whether the statement is true or false