What drives my customers' buying behavior? Are they receptive to new products or are they among the last to accept them? What values are most important to them? These questions are to identify:

What critical step is missing from these instructions?

"To prepare a monthly budget, divide annual income by 12 to get the monthly income total. Then determine monthly expense categories and amounts that can be spent based on the monthly income figure." A) Add family contributions to the annual income amount. B) Allocate a percentage of monthly expenses for credit card purchases. C) Build up a solid credit history before doing a budget. D) Subtract large one-time expenses from annual income before dividing. E) Include projections for wage increases to annual income amount.

What sources of information used by external decision making are directly affected by existing FASB standards?

A) Accounting Policies B) Management Discussion and Analysis C) Economic Statistics D) Letters to Stockholders