37. Per the Fraud Examiners Manual, what is the difference between official bribery and commercial bribery? A. official bribery refers to the corruption of a private individual to gain a business advantage while commercial bribery refers to the corruption of a public official to influence and official act of government. B. commercial bribery refers to the comuption of a private individual to gain a business advantage while official bribery refers to the corruption of a public official to influence and official act of government C. official bribery refers to the offering, giving receiving or soliciting of corrupt payments while commercial bribery refers the obtaining the property from another induced by actual or threatened force. D. official bribery is a form of negotiated bribery in which a commission is paid to the bribe-taker in exchange for the service rendered while commercial bribery refers to the giving or receiving anything of value to obtain favorable treatment in relation to a government contract. 38. Per the Fraud Examiners Manual, which of the four categories of check tampering might be the most difficult to defend against? A. forged endorsement schemes. B. altered payee schemes. C. forged maker schemes. D. authorized maker schemes. 39. Per the Fraud Examiners Manual, which of the following is NOT a common red flag of a comupt employee? A. restrained and frugal lifestyle. B. tendency of an employee to insert himself into areas in which he is normally not involves. C. inclination to make excuses for deficiencies in a third party's product or services, such as poor quality, late deliveries, or high prices. D. friendly social relationship with a third-party contractor. BE