[Solved] An agency problem can occur when A) the desires and objectives of the owners and agents conflict. B) it is difficult or expensive for the owners to verify what the agent is actually doing. C) the owners and agents have different attitudes toward risk. D) executives do not select risky strategies because they fear losing their jobs if the strategy fails. E) all of the above Clay: A natural, earthy material composed of fine-grained minerals, often used in pottery, bricks, and sculpture, known for its plasticity when moist. Gymnosperms: A group of seed-producing plants that includes conifers, cycads, Ginkgo, and gnetophytes, characterized by their naked seeds not enclosed in an ovary. Angiosperms: A large group of plants characterized by having flowers and producing seeds enclosed within a fruit. Xylem: Complex vascular tissue of plants; cell walls of its dead tracheids and vessel elements form tubes that distribute water and mineral ions through the plant body.