An individual's desire to drink high-quality wine as an expression of individuality and taste is discovered using which type of advertising research approach?

An arrangement in which a third party promises to be primarily liable with the borrower for the payment of the borrower's debt is referred to as a(n) ________

A) garnishment B) accommodation C) surety arrangement D) guaranty arrangement

Purposes of the coinsurance provision in medical expense insurance policies include which of the following? I. to reduce premiums II. to prevent overutilization of policy benefits

A) I only B) II only C) both I and II D) neither I nor II