A computerized cash payments system that transfers funds without the use of checks, currency, or other paper documents is called electronic funds transfer (EFT).
A digital transfer of finances from one bank account to another is known as an "electronic funds transfer" (EEFT), occasionally known as a "direct deposit." These transfers are conducted without the involvement of bank workers. It's a digital sale, therefore no paper attestation is needed.
Due to its ease of use, availability, and honesty, EFT has surpassed other plutocratic transfer styles as the most popular choice. Paper checks are becoming less common as businesses increasingly use EFT because it is cheaper, faster, and requires less labor overall. One of the most appealing aspects of the EFT is its security.
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what would happen to the typical long-run average total cost curve of the average american firm if the government cut taxes?
The usual long-run average total cost curve of the typical American corporation will move to the left if taxes are reduced by the government. The right response in this case is option B.
Because manufacturers must pay for each unit sold, the marginal cost and the average variable cost are impacted by changes in the tax rate. Average total cost is the sum of the average variable cost and average fixed cost.
Therefore, the average total cost decreases when the average variable cost decreases due to a decrease in tax. LATC also moves to the left. In the long term, businesses have a choice in manufacturing technology, making all expenses variable costs. The term "economies of scale" describes a situation in which the average cost falls as the volume of output rises.
Complete question:
What would happen to the typical Long-Run Average Total Cost Curve of the average American firm if the government cut taxes?
A - The tax cut will only impact the short-run cost curves.
B - It would shift to the left.
C - It would shift downward.
D - The left-hand side would slope lower and the right-hand side would shift higher.
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if the required direct materials purchases are 31500 pounds, the direct materials required for production is three times the direct materials purchases, and the beginning direct materials are three and a half times the direct materials purchases, what is the desired ending direct materials inventory in pounds? o 47250 o 78750 o 31500 o 15750
To find the desired ending direct materials inventory in pounds, we need to know the total direct materials required for production and the beginning direct materials.
If the required direct materials purchases are 31500 pounds and the direct materials required for production is three times the direct materials purchases, then the direct materials required for production is 31500 * 3 = <<31500*3=94500>>94500 pounds.
If the required direct materials purchases are 31500 pounds and the direct materials required for production is three times the direct materials purchases, then the direct materials required for production is 31500 * 3 = <<31500*3=94500>>94500 pounds.
To find the desired ending direct materials inventory in pounds, we need to subtract the direct materials required for production from the beginning direct materials. This gives us 110250 - 94500 = <<110250-94500=15750>>15750 pounds.
Therefore, the desired ending direct materials inventory in pounds is 15750
if the price of movies on dvd rises while the price of movies purchased on demand through the internet remains the same, the law of demand predicts that consumers will:
if the price of movies on dvd rises while the price of movies purchased on demand through the internet remains the same, the law of demand predicts that consumers will: substitute movies on the Internet for movies on DVD.
The law of demand asserts that, providing all other demand-affecting variables remain constant, there is an inverse relationship between a commodity's price and the quantity sought. It means that as the price of a good lowers, the demand for the good rises and when price rises, the demand declines. cost of the product or service. the buyers' income. the costs of complementary or replacement goods or services that are acquired in place of a specific product, depending on the context. Demand will be determined by consumer choices or tastes.
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in selecting an appropriate forecasting model, the following approaches are suggested: group of answer choices measure the size of the forecasting error, such as and mad perform a residual analysis. all of the other options. use the principle of parsimony.
A residual analysis is one of the methods recommended for choosing a suitable forecasting model.
Differences between the model's one-step anticipated output and the measured output from the validation data set are known as residuals. The portion of the validation data that the model is unable to account for is represented by residuals.
The whiteness test and the independence test are the two tests that make up residual analysis. The residual autocorrelation function of a decent model should be inside the confidence interval of the associated estimates, showing that the residuals are uncorrelated, according to the whitening test requirements.
By defining residuals and analysing the graphs of the residual plots, residual analysis is used to determine whether a linear regression model is adequate.
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which of these items will not generally be affected by an increase in the debt ratio? a. market risk. b. business risk. c. total risk. d. the firm's beta. e. financial risk.
The market risk is the option that would ot generally be affected by an increase in the debt ratio. Oprtion A
What is the debt ratio?The phrase "debt ratio" refers to a financial ratio that assesses how much leverage a business has. The ratio of total debt to total assets, represented as a decimal or percentage, is known as the debt ratio. The percentage of a company's assets that are financed by debt is one way to understand it.
An asset-to-asset ratio greater than 1 indicates that a significant portion of a firm's assets are financed by debt, which indicates that the corporation has more liabilities than assets. If interest rates abruptly increase, a company with a high ratio may be at risk of loan default.
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When Amanda considers where to shop for groceries, she chooses Publix Grocery
Store because of the positive experience she has had there over many years. This is
an example of which of the following? Choose the answer.
brand image
target market
corporate image
marketing
Amanda choosing Publix Grocery Store is an example of brand image.
What is meant by a brand image?In marketing, brand management starts with an examination of how a brand is now viewed in the market, moves on to planning how the brand should be regarded in order to achieve its objectives, and then keeps going by making sure the brand is perceived as intended and achieves its goals.
A brand's image is the all-encompassing opinion, perception, and connections that a specific client may have about it. The emotional value that your brand offers to customers is known as brand image. It includes the brand's personality, tone of voice, visual language, company values, products, price, service quality, etc., and how consumers view each of these components.
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if the average wage was $7.67 per hour in 1998 and $14.90 per hour last month, what is the index of hourly wages for last month based on the 1998 information?
The hourly wage index for the last month, calculated using data from 1998, is 324.64 if the average hourly wage was $7.67 in 1998 and $14.90 in the past month.
The mean salary for a set of workers is their average compensation. This indicator is frequently tracked and utilized as a standard for the pay levels of certain workers in a sector, region, or nation by the government or other organizations.
Due to it,
P0 = The average wage in 1998.
= $7.67 per hour. (Base Price)
P1 = The average & wage in the last month.
= $24.90 per hour.
Hence, the simple price index of hourly wages for the last month based on
the 1998 information is
= P1 / P0 × 100
= 24.90/7.67 × 100
= 324.64
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grullon co. is considering a 9-for-5 stock split. the current stock price is $87.50 per share, and the firm believes that its total market value would increase by 3% as a result of the improved liquidity that should follow the split. what is the stock's expected price following the split?
The stock's expected price by grullon co. following the split willl be $33.75. Hence, option B is accurate.
The calculation of the projected stock price after taking into account the stock split is displayed below:
Stock split ratio Equals (Current Stock Price Stock Split Ratio 1 + Increase Percentage)
= ($75 × 3 × 1 + 0.05) ÷ 7
= 236.25 ÷ 7
= $33.75
Simply put, while determining the projected stock price, we take the stock split ratio into account. The calculating component considers the 3 for 7 stock split ratio.
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The correct question is:
Grullon Co. is considering a 7-for-3 stock split. The current stock price is $75.00 per share, and the firm believes that its total market value would increase by 5% as a result of the improved liquidity that should follow the split. What is the stock's expected price following the split? a. $32.06 b. $33.75 c. $35.44 d. $37.21 e. $39.07
The practice of dividing the money a person invests between several different types of investments in order to lower risk is called
Answer: The practice of dividing the money a person invests between several different types of investment in the order of lower risk is called Diversification.
Diversification is based on the principle that Risk and return are directly proportional to each other.
Hence say Stock A gives a Greater return then it will also have a greater risk.
Therefore to Hedge the Businessmen from constantly changing market conditions and to guarantee a nearly fixed return Diversification is used.
In diversification, investment is done in combination with high and low-risk stocks as per the risk-taking capabilities of the investor.
The investor who is a Risk Taker invests a High Amount in High-risk stocks and similarly the investor who is Risk Averse invest a high Amount in Low-Risk Stock.
Diversification helps the investor to maintain his return and risk
according to his plans.
Explanation: Diversification is based on the principle that Risk and return are directly proportional to each other.
Hence say Stock A gives a Greater return then it will also have a greater risk.
Therefore to Hedge the Businessmen from constantly changing market conditions and to guarantee a nearly fixed return Diversification is used.
In diversification, investment is done in combination with high and low-risk stocks as per the risk-taking capabilities of the investor.
The investor who is a Risk Taker invests a High Amount in High-risk stocks and similarly the investor who is Risk Averse invest a high Amount in Low-Risk Stock.
Diversification helps the investor to maintain his return and risk
according to his plans.
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williams alternative power, inc. a company developing solar panels, is applying for a loan. the research the company has done for the manufacturing process would be a(n) asset for the loan evaluation
Williams Alternative Power, Inc., a maker of solar panels, is demanding money. The company's research into manufacturing processes would be regarded as an intangible asset for the purposes of assessing the loan.
As a percentage of the overall worth of most firms, intangible assets such as people, expertise, connections, and intellectual property increasingly make up a larger part than physical assets such as machinery and equipment.
Although intangible assets do not produce cash flows on their own, they do allow a firm to charge a higher price for its goods, which increases the company's overall cash flow and, in turn, raises the price of its shares.
The useful life should be used to determine how much of an intangible asset can be depreciated. The useful life of intangible assets is assumed by this AS to be no longer than 10 years. In some circumstances, it would exceed ten years.
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who is responsible for developing independent audits for state agencies to ensure that they are complying with the state budget?
The one who responsible for developing independent audits for state agencies to ensure that they are complying with the state budget is the State Auditor.
What does a State Auditor do?The state auditor is a state-level position in 48 states which supervises and has administrative rights over the accounting and financial functions of the state. In addition, auditors play as watchdogs over other state agencies, performing internal government audits and investigating fraud allegations.
The state auditor's office examines if tax dollars are spent efficiently, economically and legally, and how well public funds are protected from potential fraud or abuse. The audits are categorized into five types, those are: state government, performance, petition, county and special county audits.
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i am received in january there is one of me for every job you work you can tell how much you earned and how much you paid in taxes by reading me. I am a.....?
i am received in january there is one of me for every job you work you can tell how much you earned and how much you paid in taxes by reading me. I am a IRS Form W-2.
Your employer will request information from you on Form W-4, Employee's Withholding CertificatePDF, when you begin a new employment. This will make it easier for your company to calculate how much money to deduct from your paycheck. Your employer (even if you no longer work there) is required to provide you with an IRS Form W-2, Wage and Tax Statement, by January 31 of every year, detailing your pay, tips, and other compensation from the previous year. Additionally, it will display the state and federal taxes, Social Security, Medicare, and tips that were deducted. When filing your tax return, you will require this form.
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A good is ___ if it takes even a small amount of time, energy, or money to acquire. abundant in shortage cheap scarce virtually free
A good is said to be scarce if time, energy or resources are involved in the production of the good or service.
The correct answer is: scarce.
Time is a scarce resource as it can be allocated to only one use at a time and it is limited in availability. Similarly efforts done by an individual is also scarce. Resources are scarce as wants are unlimited while the resources used to produce goods to satisfy these wants are limited. Hence, when these resources, efforts, and time are involved in production of a good then the good itself is scarce.
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individuals who have a very low risk tolerance would want to have how many months of emergency savings in place?
Emergency fund should usually contain three to six months worth of debt.
The term "Emergency fund" refers to savings that people can use in times of financial stress. The purpose of an emergency fund is to improve financial stability by creating a security that can be used to meet unexpected expenses, such as illness or major repairs.
Assets in an emergency fund may be cash or other valuable assets. This reduces the need to choose high debt, such as credit cards or unsecured loans, or gives you a secure future through retirement.
The amount you save in an emergency fund varies according to your living expenses, but the general rule of thumb is to eventually save three to six months of living expenses.
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an increase in the interest rate and subsequent decreases in investment and aggregate demand could be the result of a(n) in the money supply
currency supply A(n) increase in the money supply might cause the interest rate to rise, which would then lead to falls in investment and total demand.
What is the money supply made of?This total amount of cash in circulation, including notes, coins, and bank account balances, is known as the money supply.
Why is the money supply crucial?In conclusion, the supply of money is crucial because inflation will occur if it increases more quickly than the economy's capacity to generate goods and services. Additionally, a supply of money that does not expand quickly enough might cause production to decline, which then causes unemployment to rise.
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the government can regulate not just businesses, but also business competition and prices. group of answer choices true false
The government can regulate not just businesses, but also business competition and prices. Given statement are true.
What is the government regulation of business?Government regulation of businesses is business rules mandated by the U.S. Government to protect workers' rights, the environment, and businesses' power in a business-driven society. Government-issued regulations are essentially guidelines that set the boundaries of legal conduct
Taxes, financial restrictions, and environmental protection rules are examples of government regulations. Financial rules outline the laws and regulations that affect how banks, credit unions, insurance companies, and other financial institutions operate.
Government laws play a significant part in establishing a secure, equitable economy for consumers and small companies alike, protecting them from being drained by powerful firms and unfair business practices.
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a person owns a stock that pays a $2.00 a share dividend. if the person chooses to reinvest that dividend, this means that the $2.00 will go toward buying
The owner of the stock receives a dividend of $2 per share. If the shareholder decides to reinvest the dividend, the $2 will be used to purchase more shares of the same stock.
A corporation may pay its shareholders a dividend when it distributes its profits to them. A corporation is able to distribute some of its profits as dividends to its shareholders when it makes a profit or has excess cash.
Retained earnings are the sums that are not distributed but are kept and reinvested in the company. Dividends are consistent payments provided by a firm to its investors as a form of profit-sharing.
The price per share, as well as when and how frequently dividend payments are issued, are decided by the board of directors of a firm. Stocks that pay dividends can offer a steady income stream, which is beneficial in times of inflation.
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now, consider the financial district in san francisco. how would it be affected by a 1.5-meter sea level rise and a 2.4-meter sea level rise?
The question mentions the Sea level rise.
The city of San Francisco has an elevation of 52 feet above sea level, the equivalent of 15.8496 meters. In San Francisco, if the sea level rises it can cause many issues.
Critical infrastructure, such as roads, hospitals, schools, emergency facilities, wastewater treatment plants, power plants, and more will be at increased risk of inundation, as well as vast areas of wetlands and other natural ecosystems. The sea level can cause frequent flooding in low-lying areas which can damage houses, roads, and infrastructures.
In case of the 1.5-meter sea level rise, the financial district will be unaffected. But with the 2.4-meter rise in sea level, the entire district will be submerged in the sea.
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6. a bank card that automatically deducts the amount of a purchase from the checking account of the cardholder.
A debit card is a type of bank card that automatically removes funds from the cardholder's checking account to cover purchases.
The correct answer is: Debit Card.
Plastic money or currency is what a debit card is. When money is tight, you might use it to make purchases. Savings account holders typically receive a debit card from the bank, which is connected to their account. Your bank statement will show all transactions made with your debit card.
Like any charge card, a debit card typically consists of a rectangular piece of plastic. The user's checking account at a bank or credit union is connected to it. It is dependent on the size of the account in terms of how much money can be spent.
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fats feet company is a two-division firm and has the following information available for this year: what is division a's contribution margin?
Since the values of Fats feet company is not given, I will explain about Contribution margin and how it can be calculated.
We all know that normally contribution is calculated as:
Contribution margin = sales - Variable Cost.
The contribution margin is the total money that each sale contributes to making a business's profits. It represents the money generated for each product/unit sold after deducting the variable portion of the firm's costs.
It provides one way to show how much profit a particular product can earn at the time offered by a company and shows the portion of sales that helps to cover the company's fixed costs. Any remaining revenue left is the profit generated.
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the insured party transfers his or her risk of loss of property or life to the insurance company through the insurance agreement/policy. true false
Through the insurance contract, the insured party passes to the insurance company their or her risk of losing property or life. A commercial general insurance coverage offers defense .
How does an insurance firm operate? What is it?
Insurance providers evaluate the risk and determine premiums for various insurance coverage options. The insurance provider pays your up to the agreed sum of the insurer if an authorized event occurs if you sustain damages. Because of how they operate, insurance firms can compensate this and yet turn a profit.
What serves as insurance's primary objective?Its objective is to mitigate inadvertent loss and reduce financial uncertainty. This is accomplished by exchanging the payment of a small, predetermined fee—an insurance rates a reputable insurer for the taking of the risk of a significant loss and a guarantee to make payments in the case of such a loss.
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if a bank deposit will double in value in 18 years, the rule of 72 implies that the interest rate on the deposit must equal is approximately:
As per the rule of 72, the rate of interest will be 4% when the bank deposit doubles in value in 18 years.
The Rule of 72 is a simple, effective rule that is frequently used to determine how many years are needed to double an investment at a specific yearly rate of return. As an alternative, it can figure out how many years it will take to double an investment by calculating the yearly rate of compounded return.
The formula for the rate of interest is given:
Number of years = 72/Interest rate
Substituting the values in the formula we get:
18 = 72/i
i = 4
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suppose you bought a put option with a strike price of $120 and paid $10 for it. what is your profit if the stock is trading at $110 at expiration?
You paid $10 for a put option with a $120 strike price. Profit would be 9800% if the underlying asset is worth $110 at choice expiration.
What does an option's strike price mean?The cost at which a place or call option may be exercised is known as the striking price of an option. The workout price is another name for it. One of the two crucial choices an investor or broker must do when selecting a certain option is the strike price (the other being the period to expiration).
Briefing:
Based on the given conditions,
Calculate: 110 × 10 - 120 = 980
Convert to percentage: 980 × 100 = 98000%
Therefore, profit would be 98000%.
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a bond with a par value of $1,000 and an annual coupon rate of 9.5% has a yield to maturity of 6.4%. if the bond has 11 years to maturity, what is its current yield?
7.66% will be the current yield at par value of $1,000 and an annual coupon rate of 9.5%.
from given data,
Par value of the bond issued = $ 1000
Coupon Rate = 9.5%
Coupon Amount = $ 1000 x 9.5%
= $ 95
Current yield = 6.4%
so, the discounting factor = 6.40%
PVF = 1 / Discount rate
= 1/ 1.064
Bond Value for 11 years = $1,239.57
So. The present value of the bond = $ 1239.57
Current Yield = Annual Interest on Bond / Current Price of Bonds
= $ 95 / $ 1239.57
= 7.66%
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which of the elements of a legal contract does an insurance premium payment represent?
A. Competent partiesB. ConsiderationC. Legal purposeD. Agreement
Authentic Thought, This covers the dollar amount of the costs that the insured agrees to cover and the monetary extent of the benefits that the backup plan will provide as a result.
What possibilities does insurance offer?
In the event of a calamity, such as a fire, theft, legal action, or vehicle accident, coverage serves as a financial safety net to aid you and your loved ones in recovering. You will receive an insurance policy when you purchase insurance, which is a binding legal contract that you and your insurance provider.
Which insurance plan are you referring to?
An insurance policy is a contract between the insurance company (the insurer) and the individual, business, or other entity being covered (the insured). By reading your policy, you can make sure it meets your needs.
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zaan vasilakis bought a vacation home for $255,000, plus $500 in legal fees, and $4,500 in other closing costs. he also gave his realtor a gift card for $100. what is the basis of his vacation home?
For tax reasons, basis often refers to the amount of your property investment in capital terms.
Buying, managing, and renting out or selling real estate for profit are all aspects of real estate investing. A real estate entrepreneur or investor is someone who makes active or passive real estate investments. To increase the value of their investments, some investors actively develop, upgrade, or remodel real estate.
Real estate investment funds become more and more active in global real estate development in the 1980s. Real estate became a global asset class as a result of this change. Foreign real estate investing frequently necessitates specific understanding of the local real estate market. Early in the twenty-first century, international real estate investment grew more widespread, and there was a rise in the quantity and caliber of information available about those markets.
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Governments throughout history have levied some very interesting taxes. Each of the following taxes changed citizens' behavior. Determine whether it's likely that the tax also addressed a market failurea. The Hat Tax: Adopted by the British government, requiring every hat to bear a stamp on the inside showing it was legal.b. The "Flatulence Tax": Proposed, but ultimately not adopted, in New Zealand to help reduce methane emissions from livestock.c. The Window Tax: Levied by English King William III on the number of windows in a house, which tended to be more numerous in wealthier homes.d. The Cowardice Tax: Introduced in medieval England and applied to people who refused to defend the country at the request of the king.
The Flatulence Tax and Cowardice Tax heled in addressing the market failures, while Hat Tax and Window Tax did not influence the market.
The utility of another individual is unaffected by one person wearing a hat. Hat taxes therefore wouldn't remedy market failure.
Global warming is caused by methane release. People around the world will no longer find this as useful. The harmful externalities result from this. The externalities can be compensated for by increasing household costs by putting up an emission tax.
One person's use of a window has no bearing on the utility of others. Window taxes therefore wouldn't alleviate market failure.
People who neglect their obligation to defend their country are subject to the Cowardice Tax. This can be allocated to military services that can strengthen defense and reduce the motivation to take advantage of others.
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creative boutiques usually provide group of answer choices sales expertise. original concepts. research. marketing. deep customer service.
Creative boutiques usually provide deep customer service which is correct among group of choices.
Just what is a boutique?A boutique is a small financial company that focuses on serving a certain market niche with specialized services. The investment banking or management of investments industries are where boutique firms are most prevalent.
In boutiques, what do they sell?A boutique is a small retail establishment where the main focus is on the sale of one-of-a-kind or niche-market-specific goods. Despite the fact that goods like apparel, food, and jewelry are frequently available, these stores are designed to sell a variety of items.
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which form of publicity involves events created by the company that are available either in-person or online?
Experiential marketing is form of publicity involves events created by the company that are available either in-person or online.
Experiential marketing is a type of advertising that provides potentialities or clients with actual-life studies to elevate focus, build understanding, or boom sales of products or services. these experiences can be offline, such as live occasions, exchange shows, demo days, and so on., or online webinars and meetings.
The goal of experiential advertising is to shape a memorable connection between the purchaser and the logo with a view to generate purchaser loyalty and ultimately, have an impact on buy selection.
Experiential attracts human beings to brands, creates focus, generates leads, increases income, and boosts logo loyalty.
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creditors often take a security interest in specific items of property held by debtors. explain what a security interest is and why creditors want to hold one.
A security interest is an enforceable legal claim or lien on property that has been pledged as collateral, typically to acquire a loan, and creditors want to hold one in case the borrower ceases making loan payments.
An enforceable legal claim or lien on property that has been pledged as collateral, typically to acquire a loan, is known as a security interest. In exchange for the right to take back all or part of the property in the event that the borrower ceases making loan payments, the borrower grants the lender a security interest in a number of assets.
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