Using the value chain classifications provided, classify the costs listed below for a major surance company:

(a) research and development

(b) design

(c) production/delivery

(d) marketing

(e) customer support.

Costs:

1. Salaries of the customer service staff who process customer insurance transactions in their branches.

2 . Salaries ofthe managers who develop new insurance offerings.

3. Cost of IT equipment used by customer service staff.

4. Cost of the centra l computer systems used to manage and process all insurance renewals , claims and related insurance transactions.

5. Salaries of sta who deal with customer complaints.

6 . Cost of operating self-service termina ls in branches.

7 . Cost of TV advertising.

8. Salartes of the head offlce team that monltors trends In the Insurance Industry.