The five competitive forces model was developed by

Which is NOT an example of moral hazard

a. people eat more at all-you-can-eat buffets b. loggers select the most profitable trees to harvest even when they are paying a fixed fee c. Drivers of heavier, safer cares are more likely to run stop signs d. workers on commission work harder than those paid an hourly wage

Which of the following statements is correct?

a. About 25 percent of the U.S. population earns an income below the poverty line. b. About 50 percent of blacks earn an income below the poverty line. c. Since 1980 the fraction of persons below the poverty level has risen sharply. d. None of these.