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23. If the proceeds of sale of collateral are not sufficient to satisty the debt then the credlbor is of usually entitied to a: A. future advance. C. fuxture filing. D. 24. To be sufficient, a financial statement must A. indicate that the creditor is in possession of the collateral. B. be effective for a period of two years from the date of Siling C. be filed only in the state of the debtor's residence D. indicate the collateral covered by the financing statement 25. Which of the following consists of negotiations between an employer and a group of employees so as to determine the conditions of employment? A. Collective bargaining B. Mediation C. Arbitration D. Collusive dealings 26. Which of the following is false regarding workerscompensation? A. Before workers' compensation, an injured employee's only recourse was to sue the B. For administrative convenience, most states exclude certain types of businesses and small firms from coverage under workers' compensation laws C. Workers D. Some states allow businesses with sufficient resources retain the option to sue their employers for negligence for work-related injuries to be self-insured, rather than participating in the state program. E. Workers' compensation laws ensure financial covered workers injured on the job can receive nsation through an administrative procedure, rather than having to sue their that of the following is a federal law regulating the payment of wages and overtime? 27. Which A. The Fair Pay Act B. The Fair Labor Standards Act C. The Regulatory Wage Act D. The Subsistence Pay Act E. The Legal Pay Act 28. Which of the following acts has as its goal preventing employers from discriminating against employees and applicants with disabilities? A. The Americans with Disabilities Act B. The Disabled Citizens Act C. The Handicapped Americans Act D. The Disabled Americans Act E. The Civil Rights Act-Title VII