Javier is listening to the sports updates on the radio. His girlfriend is talking to him at the same time. Unfortunately, he did not retain a single word his girlfriend said. This is an example of phi phenomenon
convergence
cocktail party effect
birthday party effect
beta phenomenon

Which of the following is a reason to approach smaller banks for a business loan? question options: their criteria for approving a loan are much less stringent than those for larger banks. they emphasize personal relationships and may give more weight to personal attributes. they have lower fees. they grant larger loans.