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The most visible alternative to the democratic model is
Liability Account
An accounting record tracking obligations or debts that a company owes to others.
Credit Balance
Credit Balance refers to the amount of money that a company or individual has in their account that can credit against future purchases or borrowings.
Payee
The party in a financial transaction to whom money is paid or is to be paid.
Interest Income
Earnings received from deposit accounts or investments that yield interest, such as savings accounts, bonds, or loans.
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