Abank's customer identification program (cip) applies to any insurance product that contains a cash value or investment feature. which application will require cip verifications? a. an application from sammy scott for a surety bondb. an application from frank farber for commercial flood insurancec. an application from ann arbor for an annuityd. an application from carey carter for car insurance

Whether or not a given study has the possibility of causing harm to participants:

According to ohrp, a problem is an “unanticipated problem” when it meets which of the following criteria: unexpected, related or possibly related to the research, suggests that the research does not put the subjects or others at greater riskunexpected, related or possible related to the research, suggests the research puts subjects or others at greater riskunexpected, unrelated to the research but still occurring with a subject, suggests the research puts others at greater riskexpected, related or possible related to the research, suggests the research puts others at greater risk

Aresearcher conducting behavioral research collects individually identifiable sensitive information about illicit drug use and other illegal behaviors by surveying college students. one of the subjects is in an automobile accident two weeks after participating in the research study. is this an example of an unanticipated problem that requires reporting to the irb? yes, this must be reported because it was not listed as a risk of study participation in the consent form (was unexpected) and the subject experienced harm.yes, this must be reported because it involved a subject in a research study and it’s up to the irb to determine if it was related to participation.no, this does not need to be reported because it was assessed by the researcher as unrelated to the research study.no, this does not need to be reported to the irb since the researcher reported it to the sponsor of the study.