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Factor completely.
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Instrument
An instrument is a tool or device, especially one used for precise work or scientific measurement.
Alternative
Another option or choice available to parties in a situation, often considered when the primary option is not feasible or desirable.
Joint Payee
Involves two or more parties being named on a financial instrument or payment, requiring endorsement or agreement from all named before processing.
Suspended
Temporarily halted or stopped, often with the possibility of being resumed in the future.
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