An effective way to conserve postage costs is the use of ZIP + 4

In contracts that obligate unions not to conduct union business on the employer's time or property, which of the following is often an exception to this obligation?

a. handling grievances b. holding election campaigns c. soliciting members during business hours d. None of the above.

Which of the following terms are found in mortgage loan contracts to protect the lender from financial loss?

A) Collateral B) Down payment C) Private mortgage insurance D) All of the above