Which of the following two stocks is more volatile based on historical returns? 
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Formal Contracts
Formal contracts are legally binding agreements that must follow a prescribed format or be executed in a certain manner to be valid, such as being in writing and signed by all parties.
Contracts under Seal
Formal agreements that are validated by a wax seal or its modern equivalent, often denoting a heightened sense of formality and solemnity.
Letters of Credit
Financial instruments issued by a bank guaranteeing a buyer's payment to a seller upon the fulfillment of agreed conditions.
Research Data
Information collected, observed, or created for purposes of analysis to produce original research results.
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