Answer: a. tests of conscientiousness
Explanation:
Test that measure conscientiousness essentially check to see if the prospective employee is capable of doing the tasks required of them well and with seriousness. The test will also show if the person is capable of showing the required diligence and care in their roles. 
Such tests are free of bias in testing as conscientiousness can be measured evenly across cultures. 
 
        
             
        
        
        
The concept of market conduct includes such things like profit , loss and assest growth targets.
Explanation:
Market conduct is used in insurance industry to describe the problems that are related to the sale and distribution of insurance. It deals with the pricing and promotion strategies based on the players in the market related to their aim , objective and desicion making process.
Based on this concept all consumers are seen as potential customers with similar needs. They have proper regulations to check the customers are charged fair and reasonable insurance prices.
They will also ensure whether the consumers have access to beneficial and compliant insurance products.
 
        
             
        
        
        
Answer: $121
Explanation:
The question simply wants us to find the present value of receiving $100 investment two years from now at a 10 percent annual discount rate.
This can be easily solved as follows: 
For the first year, the $100 will be worth: 
= $100 + ($100 × 10%)
= $100 + ($100 × 0.1)
= $100 + $10
= $110
The worth at the end of the second year will then be:
= $110 + ($110 × 10%)
= $110 + $11
= $121
 
        
             
        
        
        
C) When used, both take money directly out of a bank account.
You're Correct!, Good job (:
        
             
        
        
        
Answer: the correct option is E. 
Explanation: Direct marketing can be referred to as an advertising strategy that implements an individual distribution of a sales pitch directly the to potential customers. The delivery systems used here, include, mail, e-mail, texting, and calls. 
This method of marketing is called direct marketing because it is usually carried out without the use of middleman such as advertising media. This is because it will make no economical sense to utilize the media to market to just one particular customer.
Therefore, the direct method of marketing is not used in combination with other forms of promotional media.