Explanation: An FFS, or Feeforservice, plan is generally the most costly for patients but allows them to make their own selection of facilities and physicians. A PPO, or Preferred Provider Organization, plan does not require that patients first contact a "gatekeeper" for medical treatment but allows patients to choose from a broad network. A POS, or Point of Service, plan offers a network (like a PPO) but allows patients to meet with a physician outside this network and request reimbursement later on. An HMO, or Health Maintenance Organization, plan does require a "gatekeeper" but also focuses on lower health care costs for patients and care that aims to prevent higher costs later on.

Explanation: Derek should arrange the seats in the classroom style. In this style, participants are placed behind desks facing towards the front of the room. This seating arrangement is most appropriate for presentations delivered by a single person, especially when the participants will need to be making notes. In conferencestyle seating, participants are placed around a large square table. In the Ushaped seating style, participants are placed around three sides of a large table, and the presenter stands on the fourth side. In the Chevron style of seating, participants are placed in rows that face the front of the room at an angle, so that they are facing both the presenter and, to a lesser extent, one another.

Explanation: A pesticide is an example of a chemical health hazard. The other three answer choices are biological health hazards. OSHA requires businesses to maintain safety data sheets related to every chemical found in the workplace. A safety data sheet outlines the components of the substance, as well as its behavior under various conditions. Most importantly, the safety data sheet indicates whether a chemical is harmful when absorbed, inhaled, or ingested, and how these dangers may be mitigated or avoided.

Explanation: The Hierarchy of Needs Theory of 1954, which discusses the relationship between an employee and his job and which is also the starting point for many of the other theorists, is attributed to Abraham Maslow. Fredrick Herzberg is credited with the Motivation/Hygiene Theory of 1959; Clayton Alderfer is responsible for the ERG Theory of 1969; Victor Vroom is credited with the Expectancy Theory of 1964.

Explanation: This question describes the qualified plan, which provides IRSapproved tax advantages but without any extra benefits for shareholders and executives. Answer choice A is incorrect because the nonqualified plan provides benefits to specified employees (i.e., executives) and shareholder. Answer choice B is incorrect because the defined contribution plan utilizes a standard pension plan but without the added benefits defined in advance. Answer choice D is incorrect because the cash balance plan is a combination of the defined benefit and defined contribution plan but does not fall under the immediate grouping of voluntary benefits programs. Answer choice E is incorrect because the defined benefit program starts with a pension plan and adds specified benefits to it.