[Solved] The beginning of an atherosclerotic plaque occurs when a "fatty streak" in the vessel wall is formed from macrophages eating accumulated LDL particles. Annual Interest: The amount of interest paid or earned over a one-year period, typically expressed as a percentage of the principal sum. Loan Amount: The total sum of money borrowed from a lender that is expected to be repaid with interest. Interest Rate: This is a fee, calculated as a percentage, that lenders charge borrowers for the use of their money or that borrowers earn on deposits. Interest Payments: Payments made to lenders as compensation for the use of borrowed money, typically calculated as a percentage of the principal amount.