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An "I.O.U." is a negotiable instrument.
Societal Ethics
Principles and standards that guide behavior within society, reflecting beliefs about what is acceptable or unacceptable, right or wrong.
Consumer Buying Patterns
The purchasing habits of individuals or groups, often analyzed for marketing and business strategy.
Data Mining
The process of extracting useful patterns or knowledge from large sets of data, using techniques from statistics, machine learning, and database management.
Data Warehousing
The collection and management of large volumes of data from various sources, organized for reporting and data analysis.
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