The HR staff member who has the job of advising management on all aspects of union-management aspects is the ________

Which of the following statements is incorrect?

a. Transaction exposure represents only the exchange rate risk when converting net foreign cash inflows to U.S. dollars or when purchasing foreign currencies to send payments. b. Economic exposure represents any impact of exchange rate fluctuations on a firm's future cash flows. c. Firms can simply focus on hedging their foreign currency payables and/or receivables to hedge economic exposure. d. The management of economic exposure tends to serve as a long-term solution rather than just a short-term solution.

Which of the following activities is NOT an example of misrepresentation?

A) A producer tells a prospect that the policy has received a certain level of dividends for the past 5 years. B) A producer participates in twisting. C) An insurer advertises a life insurance policy as a "retirement savings plan." D) A producer tells a prospect that the insurer has a higher A.M. Best rating than it actually has."