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Carisa is negotiating for the labor union. Today, she is presenting the evidence and papers that demonstrate the average wages in the area, the cost of health care for the average worker, and a pie graph demonstrating how these costs affect the new salary request. Which phase of the negotiation process is Carisa currently in?
Variable Life Insurance
A type of life insurance where the policyholder can allocate a portion of premium dollars to a separate account comprised of various investment funds.
Universal Life Policies
A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element, which is invested to provide a cash value buildup.
Defined Contribution Plans
Retirement plans where the amount invested is defined up front, but the future benefit is not guaranteed, depending on investment performance.
Pension Funds
Financial programs that collect and invest contributions from employers and employees to provide retirement benefits to the employees.
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