An instrument representing an interest in real property created to secure repayment of the debt is called a:

To calculate lifetime value, a company would estimate the amount of money a person would spend with the company over a lifetime and then subtract what it will cost the company to maintain this relationship

Indicate whether the statement is true or false

This term refers to the level of specialization or expertise an employee possesses in a particular job

A) vertical skills B) depth of skills C) breadth of skills D) horizontal skills