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In Exhibit 73, diminishing marginal returns set in with the addition of the
Mortgage
A legal agreement by which a bank or creditor lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt.
Deed of Trust
A legal document used in some states that involves three parties—the borrower, the lender, and the trustee—and it serves as a lien on real property.
Default
The failure to fulfill a legal obligation, especially the failure to pay back a loan according to the agreed-upon terms.
Beneficiary
An individual or entity entitled to receive benefits or assets under a legal instrument, such as a will, trust, or insurance policy.
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