The function 
has a local __________ (maximum / minimum / neither) at the critical point, where x = _____ and y = _____.
Definitions:
Specialist
A financial expert who possesses a deep understanding of specific securities or sectors, often responsible for facilitating trades by matching buyers with sellers.
Securities Investor Protection Corporation (SIPC)
A non-profit organization that protects customers of brokerage firms that are forced into bankruptcy, providing a safety net for investors' assets.
Latency
The delay before a transfer of data begins following an instruction for its transfer, often discussed in the context of trading to measure the delay in executing a transaction.
Direct Plus
A federal loan program that allows parents of dependent undergraduate students (Direct PLUS Loans) and graduate/professional students (Grad PLUS Loans) to help pay for education expenses.
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