Cleanz inc., a toiletries manufacturing firm, has launched a new range of organic sanitizing wipes. it wants to test its consumers' reactions to this new product in an economical way. therefore, cleanz sends out flyers to a few selected members of the target market advertising several of its products along with the new product. besides this, it also takes the members to a mock shop and monitors their shopping behavior. in this scenario, cleanz is using

Based on the scenario, Cleanz Inc., is using the stimulated market testing. Stimulated marketing testing is a technique in marketing research in which they are engaging to having consumers to be exposed with purchasing decisions and staged advertising in a way of having to observe the consumers reaction to the product.

for storing the moneys

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.