In China, Dell had to find a meaningful interpretation of "direct sales," the phrase that describes the company's powerful business model

A risk manager was attempting to estimate how many physical damage claims would be reported for vehicles in the company's fleet the following year. He decided to perform a regression analysis using "number of vehicle claims" as the dependent variable. It would make sense to use each of the following variables as the independent variable EXCEPT:

(a) number of vehicles in the fleet (b) gallons of fuel used by fleet vehicles (c) number of people employed by the company (d) number of miles driven by fleet vehicles per year

Which of the following is NOT characteristic of the consumer loans at U.S. banks?

A. Non revolving consumer loans is the largest class of loans. B. Credit card loans often have default rates between four and eight percent. C. Usury ceilings affect the rate structure for consumer loans. D. Consumer loans differ widely with respect to collateral, rates, maturity, and noninterest fees. E. Revolving consumer loans include new and used automobile loans, mobile home loans, and fixed-term consumer loans.