Question $35(2\mathrm{.}5$ points$)$

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Phoebe Buffet is looking into opening a massage parlor and is trying to learn about unemployment insurance. She has found a lot of information on the internet, but she doesn't know what to trust. Which of the following statements is true?

Costs for unemployment insurance are standard across the country. Unfavorable experience ratings of employers lead to higher unemployment insurance premiums.

Unemployment insurance is a voluntary program based on number of employers in a specific state.

Most funding for unemployment insurance is provided by employees.