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Placebo effects make it difficult to draw causal conclusions because we can't tell whether:
Annual Interest Rate
The percentage of principal earned as interest on an investment or paid on a loan over a one-year period.
Down Payment
An initial, upfront partial payment for the purchase of expensive items/services, typically associated with real estate or vehicles.
Accrued Interest
The interest that has accumulated on a bond, loan, or other financial instrument since the last interest payment was made.
Compounded Annually
Interest on an investment or loan calculated once a year, where each year's interest is added to the principal.
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