The term _____ refers to the set of purposes, principles, and rules of action that guide an organization

Which of the following is NOT considered to be insurer expenses?

A) Maintenance costs B) Policy premiums C) Employees' salaries D) Utilities

Using a(n) ________ approach, a company uses a single strategy to reach all customers

A) open-source B) crowdsourcing C) mass market D) social networking E) societal marketing