________ refers to flexible benefit programs that let employees personalize their benefits packages

A broker is required to exercise reasonable supervision over the activities of his salespersons, which includes

A. establishing rules and filing documents B. handling trust funds, advertising services, and familiarizing salespersons on discrimination laws. C. all of these D. merely having a written contract that states the responsibilities of the parties

Regardless of the type of segmentation scheme used, the key is adjusting the marketing program to recognize ________

A) the level of disposable income earned by the target group B) customer differences C) the cost-benefit relationship of narrowing the target market D) customer complaints E) saturated markets