[Solved] Access to the Internet, sexual deviance and antisociality have been found to be main explanatory factors of Internet-based child pornography offenses. Yield Curve: The relationship between interest rates and the term of debt, generally expressed graphically. A normal yield curve is upsloping, reflecting rates that increase with increasing term. An inverted curve is downsloping. Liquidity Premiums: Additional yield that investors require for holding securities with lower liquidity. Maturity Risk Premium: The additional interest rate or yield that investors demand to hold longer-maturity debt over shorter-term instruments. Lenders: Individuals or institutions that provide funds to borrowers under the agreement that the funds will be repaid with interest.