In the ________ model of informed consent, personal information can be collected until the consumer specifically requests that his or her data not be collected

Nonmanagerial employees do not formally supervise other employees.

a. true b. false

Which of the following changes to the terms of credit would make the effective annual rate increase?

A) Extend the discount period B) Increase the cash discount percentage C) Extend the payment period D) All of these changes will increase the effective rate