Which of the following is an example of input fraud?

A man used desktop publishing to prepare bills for office supplies that were never ordered or delivered and mailed them to local companies.
The invoices were for less than $300, an amount that often does not require purchase orders or approvals.
A high percentage of the companies paid the bills.

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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since the options are not listed, when you are working on your budget you should also add water, tv, internet, miscellaneous and your 'fun' money for in your budget. when budgeting, you need to allow for fun money, and mis/accidental money so that you stick to the budget and not go crazy because you feel strapped to the budget.