A(n) _____ is collected by a seller at each stage of a transaction

Which statement(s) is(are) true with respect to the traditional net cost method of calculating the cost of life insurance?

I. It ignores the time value of money. II. Life insurance is often shown to be free. (a) I only (b) II only (c) both I and II (d) neither I nor II

Data classification must begin with:

A. Determining specific data sensitivity according to organizational and legal requirements for data confidentiality and integrity B. Determining data ownership C. A review of organizational security policies D. A review of logical access controls