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The El Niño effect reaches its peak around:
Unsecured Loan
A loan that is issued and supported only by the borrower's creditworthiness, without the need for collateral.
Accounts Receivable
Money owed to a company by its customers for products or services that have been delivered or used but not yet paid for.
Self-Recognition
Awareness of self, usually manifested by the individual’s display of self-directed behavior on viewing her own reflection. For example, a child capable of self-recognition will touch a spot of rouge on her nose when she looks in a mirror rather than touching the mirror.
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