When a company holds to its espoused values over time and regardless of the situations it operates in, the values become less believable to employees

All of the following loans require a balloon payment EXCEPT;

a. Partially amortized b. ARM c. Neg-AM d. Fully amortized

A major portion of many research budgets is devoted to ________ research, performed by administering questionnaires to people

A) focus group B) survey C) interview D) simulation