A(n) ________ is a document that modifies an insurance policy and becomes part of the insurance policy

Risk management is useless if the loss has already occurred

a. true b. false

Which of the following is most likely true about companies that take a proactive stance toward the marketing environment?

A) They develop strategies to change the marketing environment. B) They believe that marketing strategies are bound by the current environment. C) They passively accept the marketing environment in its current state. D) They view the marketing environment as an uncontrollable element. E) They design strategies according to environmental forces in the market.