An imprest payroll account should never reach a zero balance

______________ are non-commercial bank depository institutions that include savings banks and credit unions, which accumulate individual savings and lend primarily to other individuals.

a. Thrift institutions b. Securities firms c. Pension funds d. Finance firms e. none of the above

John is trying to determine if secondary research will add value in given situations or not. He lists the following five situations. In which of these situations, secondary research is likely to be the least helpful?

a. Use existing customer base to identify significant characteristics of potential customers b. Determine the level of customer satisfaction with the company's new product c. Identify problems or requirements of specific customer groups d. Provide internal support data for the company e. Development of planning tools for successful strategic planning