Which of the following is an internal source of new product ideas?

According to the disability insurance time limit on certain defenses provision, how long after the date of a policy's issue can innocent misstatements on an application be used to void a claim?

A) 5 years B) For the life of the policy C) 1 year D) 2 years

Although rarely acknowledged by the firms themselves, selective hedging is essentially speculation

Indicate whether the statement is true or false.