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The difference between a harshness bias and a leniency bias is that
Invested
The deployment of funds with the intention of acquiring income or profit.
Regular-interest
Regular interest refers to the consistent periodic return earned on an investment or paid on a loan as determined by the interest rate.
Compounded Semi-annually
The process where interest is calculated and added to the principal sum every six months.
Compounded Quarterly
The calculation of interest on the initial principal and the accumulated interest over previous periods on a quarterly basis.
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