Which of the following gives an example of a consensus? a.)the new head of a company announces that there will no longer be any opportunities for employees to get overtime pay. b.)a union representing the workers in a factory threatens to strike if the company does not meet it's demands for a safer working environment. c.)the management of a business seeks to resolve issues by making sure a new policy has something that all of the workers have agreed to. d.)a board of directors surveys the workers and puts into place a new policy that a majority of the workers had asked for.

I believe the answer should be A.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan