Aldoor, a smart phone manufacturer, understands that word-of-mouth marketing is an important aspect in the success of a product. it promotes discussions about the product both online and offline.
certain loyalists, who have good knowledge about smart phones, act as key participants in such discussions. they others sort out the problems and provide suggestions to those who want to buy smart phones.

these individuals can be called
a) intuiters
b) buzzers
c) bridges
d) connectors
e) mavens

You wish to retire in 13 years, at which time you want to have accumulated enough money to receive an annual annuity of $23,000 for 18 years after retirement. during the period before retirement you can earn 9 percent annually, while after retirement you can earn 11 percent on your money. what annual contributions to the retirement fund will allow you to receive the $23,000 annuity? use appendix c and appendix d for an approximate answer, but calculate your final answer using the formula and financial calculator methods.