Equity Loan Rates A survey of banks estimated the following probabilities for the interest rate being charged on a equity loan based on a 30-year loan,based on past records. 
-{Equity Loan Rates Narrative} What is the most common interest rate?
Definitions:
Progeny
Progeny are the offspring or descendants of living organisms, representing the next generation.
Totipotency
The ability of a cell to differentiate into any type of cell in an organism, including the extraembryonic or placental cells.
Genes
Genes are units of heredity made up of DNA, responsible for guiding the process of creating proteins that in turn, dictate cell function.
Differentiation
Development toward a more mature state; a process changing a young, relatively unspecialized cell to a more specialized cell. Also called cell differentiation.
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