1. Compare and contrast a values-driven credit culture and a market-share driven credit culture.

2. A "reasonable" rule:

a. must be jointly established by management and the union.

b. relates to the orderly, efficient, and safe operation of the employer's business.

c. must apply to all employees and operations at a particular organization equally.

d. can be unrelated to the necessities of business operations.

e. all of these

2. ____________have been described as "large social, economic, political and technological changes (that) are slow to form, and once in place, they influence us for some time. between seven and ten years, or longer.

Fads

Fashions

Trends

Megatrends