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Scott finances a Jet Ski for $4,600 by taking out an installment loan for 48 months. The payments are $153.33 per month and the total finance charge is $2,759.84. After 36 months, Scott decided to pay off the loan. After calculating the finance charge rebate (using the "Rule-of-78") , find his loan payoff.
Stratum
A layer or a series of layers of rock in the ground or a level or layer of a material, typically one of several parallel layers stacked one above the other.
Melanocytes
Cells located in the skin that produce melanin, the pigment responsible for the skin's color and protection against UV radiation.
Keratinocytes
Cells that make up the majority of the epidermis, producing keratin to help form a protective barrier for the skin.
Melanin
A pigment found in the skin, hair, and eyes that gives them color and offers protection against ultraviolet radiation.
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