The largest national union is:

A) National Education Association (NEA)
B) Service Employees International Union (SEIU)
C) American Federation of State, County, and Municipal Employees (AFSCME)
D) International Brotherhood of Teamsters (IBT)
E) United Food and Commercial Workers (UFCW)

Which of the following are (is) generally considered problems associated with cash flow estimation?

A) Uncertainty about the future cash flows
B) The introduction of bias into the estimation of cash flows
C) Uncertainty about the magnitude of fixed cost financing charges
D) a and b