Speculative cash balances are held to take advantage of uncertain profit-making opportunities

The primary function of insurance companies is to

A. generate fees for the banks that sell insurance products. B. sell a variety of consumer investment products. C. protect policyholders from adverse events. D. assist in the transfer of wealth into the future. E. provide contracts that encourage policyholders to save current income.

Questions that are used to classify respondents into various groups for purposes of analysis are called:

A) transitions B) warm-up C) skip D) classification E) ferreting