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_____ is the Japanese process of decision making,which involves circulating a proposal among all people who will be affected by it,addressing concerns and negative consequences raised by as many parties as possible,consulting on as broad a basis as possible about the proposal,and achieving consensus before the proposal is formally implemented.
DVD Clubs
Membership-based services or groups that distribute DVDs, often through mail order, allowing members to rent or purchase movies and television shows.
Truth-In-Lending Act
A US federal law designed to promote the informed use of consumer credit by requiring disclosures about its terms and cost.
Finance Charge
The actual cost of a loan in dollars and cents.
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