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Cryptic growth occurs when
Outstanding Checks
Checks that have been written and recorded in the check register but have not yet been cashed or cleared by the bank.
Credit Memo
A document issued by a seller to a buyer, reducing the amount that the buyer owes to the seller under the terms of an earlier invoice.
NSF Checks
Checks that are not honored by the bank due to insufficient funds in the account of the drawer.
Bank Service Charges
Fees charged by banks for account maintenance, transactions, and other financial services.
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