Decreases in stockholders' equity from using up assets or consuming services attributable to business activities are called ________

______________ accept the savings of individuals and lend pooled savings to individuals primarily in the form of mortgage loans and operate almost entirely in New England , New York, and New Jersey, with most of their assets continuing to be invested in mortgage loans.

a. Commercial banks b. Thrift institutions c. Credit unions d. Finance companies e. none of the above

People who collaborate ________

A) need to recognize that they may be motivated by different goals B) cannot function unless they have different goals C) rarely have conflicts arise due to working with different goals in mind D) need to find solutions that address only one goal E) are always motivated by the same goals