Health and accident insurance that covers special groups of persons who are not required to be named or fill out an application is called

If you find a photograph online that you want to use in a document,

A) you don't need permission—you are protected by fair use doctrine. B) you don't need permission unless you are using it in marketing materials. C) if it is not specifically offered free, assume that someone owns it and is entitled to credit and/or payment. D) you can do so without permission unless you have to pay to download it. E) add it with an embedded link.

According to Roger's diffusion theory, most customers will not purchase expensive products without the "hands-on" experience marketers call "trial."

Indicate whether the statement is true or false