What refers to the creation of new kinds of intermediaries that simply could not have existed before the advent of ebusiness, including comparison-shopping sites such as Froogle and bank account aggregation services such as Citibank

answer: d. characteristics of guests

explanation: it is directly related to the spending characteristics of attendees who fall into each of these categories:

answer; the correct answer to the above statement is (true);

answer/// sequence of operations that requires the longest time for completion';