Which party has the legal authority to name or change the beneficiary?

A recent study conducted by Estelle Cosmetics Company showed that heavy users of Estelle's products comprise a small percentage of the market

The study indicated that less than 7 percent of all shoppers buy nearly 71 percent of Estelle's products in the United States. This is an example of ________. A) benefit segmentation B) segmentation by loyalty status C) segmentation by usage rate D) psychographic segmentation E) occasion segmentation

The ________ mortgage sets the payments in advance in such a way that they rise steadily for 5 to 10 years, then level off to allow a person to buy a home earlier in life

A) balloon payment B) growing equity C) shared appreciation D) graduated payment E) conventional