When are multiple subcultures most problematic? a. when they foster teamwork and support a collaborative approach to strategy executionb. when they guide management in coming up with consistent approaches to executing company strategiesc. when they don't clash and coordinating efforts to craft and execute strategy within each subculture is relatively easyd. when they are compatible with the overarching corporate culture and are supportive of strategy-executione. when they embrace conflicting business philosophies that are inconsistent with superior strategy execution

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

The answer is  passage 1.