A market where the price of an item is arranged by the mutual consent of sellers and buyers.

The integration among people, companies, and governments across geographical boundaries.

To unite with something else; to form, coordinate, or blend into a functioning or unified whole.

The mutual responsibility and dependency on others.

When companies reduce costs by transferring portions of work to outside suppliers rather than completing it internally.

AD&D stands for

An employer-funded retirement plan with payouts to the retiree based on a formula that includes length of service and salary history, such as a pension.

A retirement plan in which a certain amount or percentage of money is set aside each year by the employee or the company, or both; payouts are dependent on the amount of contributions made

Insurance that pays a monthly benefit to workers who, because of injury or illness unrelated to work, cannot do their normal job or any other job.

A health care arrangement under which a health care provider charges, and the insurance company pays for, each service separately.