Tom visits george at his ranch. although a novice on horseback, tom decides to join george in a morning ride. george recommends that tom ride an unbroken stallion named satan. while mounting satan, tom is thrown headlong through the windshield of tom's car. the damage to the car is $2,000 and tom's own insurance pays him $1,500 ($500 deductible). under what principle could tom's insurance company sue george for his negligence?

Kirnon clinic uses client-visits as its measure of activity. during july, the clinic budgeted for 3,250 client-visits, but its actual level of activity was 3,160 client-visits. the clinic has provided the following data concerning the formulas to be used in its budgeting: fixed element per month variable element per client-visitrevenue - $ 39.10personnel expenses $ 35,100 $ 10.30medical supplies 1,100 7.10occupancy expenses 8,100 1.10administrative expenses 5,100 0.20total expenses $ 49,400 $ 18.70the activity variance for net operating income in july would be closest to: