What is a major difference between banks and credit unions?

banks seek to make a profit for shareholders; credit unions are nonprofit.

banks are regulated by the federal deposit insurance corporation; there is no government oversight of credit unions.

banks tend to allow only certain people as members; anyone can open an account at a credit union.

banks charge fees for all of their services; credit unions do not charge fees.

While cell phones with holographic keyboards are currently in the introduction stage of the industry life cycle, tablet computers are in the growth stage. in the context of this scenario, which of the following statements is true? a. the industry for cell phones with holographic keyboards will face greater competition than the tablet industry. b. while the industry for cell phones with holographic keyboards will focus more on product innovation, the tablet industry will focus more on process innovation. c. while the industry for cell phones with holographic keyboards can reap the benefits of economies of scale, the tablet industry will experience no such benefits. d. the industry for cell phones with holographic keyboards will face price competition, whereas, in the tablet industry, the mode of competition will be non-price.