For over 10 years, Erudite, a publishing and educational company that produces college textbooks, has been selling its books online through studysmart, a popular online retailer that sells textbooks published by different companies. Recently, Erudite stopped selling its books through studysmart and set up its own Web site to sell its books. This change in channel organization is called .

Disintermediation

Explanation:

Disintermediation is the withdrawal of funds from an intermediary financial institutions e.g savings and loan associations or banks in order to invest them directly. It is the reduction in using intermediaries between the producers and consumers.

From the question, Erudite stopped using an intermediary and started selling its books online. The main advantage of disintermediation is that the consumer saves money.

no i will dont mark is joking

we will subscribe.what is ur channels name

i believe the answer is: streets and roads

public property refers to the property that can be used by all legal citizens in a certain country. the public property was created and maintain using the government budget that allocated specifically for it. the budget itself come from the citizen's income tax payment.