Exhibit 3A-2 Comparison of Market Efficiency and Deadweight Loss 
As shown in Exhibit 3A-2, if the market is in equilibrium, then ____ represents consumer surplus.
Definitions:
Home Ownership Savings Plan (HOSP)
A savings plan designed to help individuals accumulate funds towards the purchase of a home.
Quarterly
Occurring every three months or constituting one-fourth of a year.
Compounded Semi-Annually
Interest is calculated and added to the principal twice a year.
Monthly Payments
Recurring payments made once per month, often in the context of loan repayments or subscriptions.
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