The major product that completes the following reaction is 
Definitions:
Stated Rate
The annual interest rate declared on a financial instrument, such as a bond, without accounting for compounding within a year.
Nonparticipating
A term often used in insurance to describe a policy that does not grant the holder the rights to share in the insurer's surplus or dividends.
Paid-In Capital
the amount of money that a company receives from issuing stock to investors, reflecting the capital invested by shareholders.
Fair Market Value
The price at which property would sell on the open market between a willing buyer and a willing seller.
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