Define the following terms using your text or other resources. Cite all resources according to APA guidelines.

30 points, 1 for definition, 1 for resource

Term	Definition	Resource Used
Time value of money
Efficient market
Primary versus secondary market
Risk-return tradeoff
Agency (principal and agent problems)
Market information and security prices and information asymmetry
Agile and lean principles
Return on investment
Cash flow and a source of value
Project management
Outsourcing and offshoring
Inventory turnover
Just-in-time inventory (JIT)
Vendor managed inventory (VMI)
Forecasting and demand management

List and describe at least five stakeholders in the health care payer system.

20 points, 1 for stakeholder and 1 for description

Stakeholder	Description (at least 50 words each)