Present Value of 1 
Future Value of 1 
Present Value of an Annuity of 1 
Future Value of an Annuity of 1 
_____________ is a borrower's payment to the owner of an asset for its use.
Definitions:
Ice Age
A period of long-term reduction in the temperature of the Earth's surface and atmosphere, leading to the expansion of continental and polar ice sheets and alpine glaciers.
Significant Event
An occurrence of notable importance, often changing the course of history or impacting a large area or population.
Type of Isolation
Various forms of separation in biology that prevent species from mating and producing viable offspring, critical in the process of speciation.
Arctic Fox
A small mammal adapted to living in cold climates, known for its thick fur and opportunistic feeding habits.
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