Personal finance is about all of the following processes EXCEPT

a. managing income and wealth.
b. creating income and wealth.
c. acquiring and creating assets.
d. preventing exposure to risks.
e. protecting assets and wealth.

Operational manager is johanna's level of manager

Competitive intelligence activities occur so that a company can use information about a competitor's new products to  develop superior marketing strategies for its own products.  when talking about  competitive intelligence, an easy way to  remember  these terms are to know your  enemy. when having  competitive intelligence it's allowing information you find out about other companies and how they run their company, the risks they have come in contact with and  opportunities they  haven't taken and figure out how to use them to your advantage. always be  smarter than your  competition. 

Choice (d) is the most correct. this would be an example of the availability heuristic. when a person can easily recall an event similar to another, we tend to think the second event happens much more often than it likely does. the fact that we have mental shortcuts that allow this to happen is the mechanism behind our misjudgments.