A(n) ________ allows readers to find the material that interests them. It should be a complete and accurate listing of the headings covered in the proposal

Clara owns a small gift shop in South Carolina. She hopes the economy will rebound this fall as she has to order her Christmas merchandise and other holiday gifts in February. She wants to make sure she has enough goods for the surge in sales that the holiday season usually brings to her retail store. Here, Clara is using _____ to be sure she has enough gifts for those extra customers that she hopes will bear the economic woes and shop for holiday presents.

A. substitutes B. smoothing C. complements D. buffering E. demographics

Indra, a loan officer with First Star Bank, was asked by a customer if First Star would join the Chamber of Commerce to meet potential customers and become more embedded in the local community. Believing this is a great idea, Indra approaches her manager, Deondre, about joining the Chamber. Deondre said to Indra, "Because the cost of membership is over $1,000 and you will have to leave the office to attend meetings, I will have to get approval from the vice president above me." First Star Bank is an example of an organization with

a. decentralized authority. b. unity of command. c. work specialization. d. centralized authority.