1. How should companies balance the issue of increasing profits
available from outsourcing and
the resulting loss of jobs for us
employees?

Having a long credit that will be corrected is better that a short credit that is clear is simply because with long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. have short history of your credit doesn't show patterns or trends of persistent late payments.

Jake gets insurance after his dog ruins his neighbor's yard 

Answerunilateral contract;

Make sure you bring warm clothes and plenty of food for the trip. be careful on the road!