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When writing the research report Jane thought that Dr. Handle's summary of a prior study was presented in a very understandable way so she copied the summary and put it in her report. Immediately following the summary she put in a reference to Dr. Handle which she assumed would tell the reader that she had taken the summary from that reference. In copying this summary she has
Unsecured
Pertaining to loans or debts that are not backed by collateral, making them riskier for lenders.
Debenture
A type of debt instrument that is not secured by physical assets or collateral but is based on the issuer's creditworthiness and reputation.
Risk Premium
The additional return over the risk-free rate that an investment is expected to yield, compensating investors for taking on higher risk.
Default Risk
The risk of loss arising from a debtor failing to make required payments on their debt obligation.
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