David Zugheri, co-founder of First Houston Mortgage provides us with an excellent example of successful change management with his companies "no paper" initiative where he converted the office overnight.

A labor union is similar to a __________.

Jada owned an insurance policy on her life,on which she paid all the premiums.Shaun was named the beneficiary.Jada died and the insurance company refused to pay the insurance proceeds to Shaun.An action by Shaun against the insurance company for the insurance proceeds will be:

A) successful because Shaun is a third-party donee beneficiary.
B) successful because Shaun is a proper assignee of Jada's rights.
C) unsuccessful because Shaun is not the owner of the policy.
D) unsuccessful because Shaun did not pay any of the premiums.

The theory of consumer behavior assumes that

A) consumers behave rationally, attempting to maximize their satisfaction.
B) consumers have unlimited money incomes.
C) consumers do not know how much marginal utility they obtain from successive units of various products.
D) marginal utility is constant.

PanAfrica Construction bought a small crane ten years ago for $140,000. The crane is being depreciated over a 15-year life to a salvage value of $20,000. PanAfrica pays taxes equal to 40 percent of ordinary income and capital gains. What is the tax liability (or saving) if the crane is sold now for $92,000?

A) $36,800
B) ($8,000)
C) $12,800
D) $56,000

Identify and briefly describe the four criteria suggested for HR planners to use for identifying significant trends