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A person who has a very hard time learning to play the piano but, with practice, becomes a concert pianist:
Securities
Financial instruments representing an ownership position, debt, or rights to ownership, traded in financial markets, such as stocks, bonds, and options.
Security Interests
A legal claim or lien on collateral that secures the performance of an obligation, typically seen in financing transactions.
Enforceable Oral Contracts
Verbal agreements that are recognized by law as binding, provided they meet certain criteria and are not for purposes requiring written contracts under the statute of frauds.
Substitute
An alternative or replacement for something else, often found or used when the original is unavailable or unsuitable.
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