29. In supply chain management, ethical issues: a. become more complex the more global is the supply chain. b. may be guided by the principles and standards of the Institute for Supply Management. c. may be guided by company rules and codes of conduct. d. are particularly important because of the enormous opportunities for abuse.

Retirement investment advisors, inc., has just offered you an annual interest rate of 4.4 percent until you retire in 40 years. you believe that interest rates will increase over the next year and you would be offered 5 percent per year one year from today. if you plan to deposit $13,000 into the account either this year or next year, how much more will you have when you retire if you wait one year to make your deposit?