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Make a change of variable, x = Py, that transforms the given quadratic form into a quadratic form with no cross-product
term. Give P and the new quadratic form.
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Previous Balance
The amount of money that was owed at the end of the previous billing period before any new charges were added.
Cycle Closing
The process of completing a cycle or period, especially in financial contexts, marking the end of an accounting or billing period.
Finance Charge
The total cost of borrowing, including interest along with other charges like service fees or transaction fees.
Previous Balance
The amount of money in an account at the beginning of a new statement period, before any new transactions have been added.
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