Collective bargaining typically encompasses all the following issues EXCEPT ______.

With ______ pricing, a company sets a high initial price, then lowers it over time as consumers become more familiar with the product.

Which of the following is NOT one of the main types of Utility Marketing?  

Which of the following is considered an employee benefit?

Pay that is based on the quantity of something manufactured or produced is known as ______.

With _____, interest is credited to an existing principal amount as well as to interest already paid, the effect of which is to magnify returns over time.

In terms of retirement savings, most Americans _____.

Because of _____, a dollar received today is worth more than a dollar received in the future.

In compiling a credit score, credit bureaus tend to consider all of the following EXCEPT ______.

Securities represent ______.