Which two of the following statements are true regarding non-qualified annuities? i. there is a 10% penalty on any taxable withdrawals that are taken before age 59 1/2 ii. there is no 10% penalty on any taxable withdrawals that are taken before age 59 1/2 iii. distributions must begin by age 70 1/2 iv. there is no required minimum distribution at age 70 1/2 a. i and iiib. i and ivc. ii and iiid. ii and iv

You work as the sales manager for a company that sells office supplies to businesses of all sizes. because the profit margins are razor-thin, you need to ensure that you are getting the very best prices on paper, pencils, pens, post-it notes, and other office supplies from the manufacturers. when reviewing the quarterly profit statement, you realize that your costs are higher than they should be, and you trace the higher costs back to an employee who has been lax about getting competitive bids to ensure the lowest prices. when you conduct your research to determine the reason for the higher costs, and take action to bring those costs back down, in which of the key management processes are you taking part?