Business automation experts (bae) develop computer systems for businesses. what would be the best reason for bae to use teams instead of individuals? a. teams could bring together different skills for understanding and meeting client needs.
b. teams of salespeople would not require any training time or expense.
c. teams of salespeople could carry out their work without any meetings. d. salespeople working in teams would not have to be as self-disciplined.

In a fixed-term, level-payment reverse mortgage, sometimes called a reverse annuity mortgage, or ram, a lender agrees to pay the homeowner a monthly payment, or annuity, and expects to be repaid from the homeowner’s equity when he or she sells the home or obtains other financing to pay off the ram. consider a household that owns a $150,000 home free and clear of mortgage debt. the ram lender agrees to a $100,000 ram for 10 years at 6 percent. assume payments are made annually, at the beginning of each year to the homeowner. calculate the annual payment on the ram.