Which of the following is a disadvantage of using direct mail as an advertising medium?
A) low audience selectivity
B) lack of flexibility
C) high competition within same medium
D) relatively high cost
E) lack of personalization of advertising message
D
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Certain perils, like war, are usually excluded from most insurance policies because they have the potential to adversely affect large numbers of insureds at the same time. This explains why one of the characteristics of an insurable risk is that the risk be
A) noncatastrophic B) cataclysmic C) trivial D) calamitous"
Under the 1995 disclosure rules, a lobbyist is ________
A) anyone who pays for meals for Congressional aides B) anyone who is paid by a third party to make more than one "lobbying contact" C) anyone who does research or provides background for lobbying purposes D) anyone who asks a government official to recognize a client in the Congressional Record