Because of added expenses and complicated governmental rules, defined-benefit pension plans are falling out of use.

Reconciling the bank statement monthly is an example of

A) segregation of duties.
B) independent internal verification.
C) establishment of responsibility.
D) documentation procedures.

At ________ level of moral development, the primary motivation is to satisfy social norms determined by groups.

A) the lowest
B) a middle
C) the highest
D) an unattainable

In a system of 100-percent-reserve banking,

A) banks do not accept deposits.
B) banks do not influence the supply of money.
C) loans are the only asset item for banks.
D) banks can increase the money supply.

Psychologist Abram Maslow based his hierarchy of needs theory on clinical research conducted over several years studying college students.

You should use the same abbreviation throughout a document.