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Determine whether is conservative. If so, find a function such that .
Debtor
An individual or entity that owes a debt to another; the opposite party being a creditor.
Secured Creditor
A creditor that has a legal claim, called a lien, on the debtor's assets, ensuring priority payment if the debtor defaults on the obligation.
Unsecured Creditor
A creditor who extends credit without requiring specific collateral to secure the debt owed by the borrower.
Collateral
Assets pledged by a borrower to secure a loan or credit, which can be seized if the loan is not repaid.
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