Answer: OK, I will work on keeping my employees longer.
Explanation:
Retention in business refers to keeping things longer and it is usually used in terms of employees. When therefore concepts like Team and Employee retention are said, they are referring to keeping employees and team members in a company for longer. 
Team retention reduces the cost of labor because it means that less money will be spent on getting new employees and having to train them afresh every time. More seasoned employees also know how the business works and so will make fewer mistakes. 
 
        
             
        
        
        
Answer:
A higher interest rate for sure.
Explanation:
They will charge you more for the money you are borrowing (loan). So you may pay 25% over the, for example, $1000 you're borrowing.
 
        
             
        
        
        
Answer:
B) collect initial premium along with a signed health statement
Explanation:
Since D submitted an application before he suffered from chest pains, then the producer should collect the initial premium. But the producer must also request a signed health statement which details the previous incident and what the doctor thought about it, and the tests that he requested. 
 
        
             
        
        
        
Calculation of Present values of Severance pay                                
Cash Paid Now                                                                                   118000 
Present value of the payment                         122857.02(129000*0.95238)    
made 1 year from now             
Present value of Annuity Pay                          139581.475 (27500*5.07569)
Present value                                                         380438
Employees often receive a severance pay at the end of their employment. This is usually based on the length of service the employee is entitled to upon retirement. The Fair Labor Standards Act (FLSA) does not require severance pay.
Some employers choose to provide severance pay to employees who have been dismissed involuntarily or voluntarily. The main reason for offering severance pay is to soften the blow of involuntary layoffs and avoid future lawsuits by having employees sign releases in exchange for severance pay.
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