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_____ and _____ are the two most important financial intermediaries.
Objective Tests
Tests that measure an individual's performance against a standard set of criteria or answers, minimizing subjective judgment.
Double-blind Tests
Experimental procedures in which neither the participants nor the experimenters know who is receiving a particular treatment, to prevent bias.
Single-blind Tests
Experimental designs in which the participants do not know which treatment or intervention they are receiving, but the experimenters do.
Hypothesis
A statement that attempts to predict or to account for a set of phenomena; scientific hypotheses specify relationships among events or variables and are empirically tested.
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