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Explain why entropy is a state function.
Creditors
Individuals, businesses, or financial institutions that lend money or extend credit to others, expecting to be repaid with interest in the future.
Municipal Bonds
Debt securities issued by local governments or their agencies, often tax-exempt, to fund public projects and services.
Federal Income Tax
A tax levied by the U.S. federal government on the annual earnings of individuals, corporations, trusts, and other legal entities.
Subprime Mortgages
Loans granted to borrowers with lower credit scores and a higher risk of default than prime borrowers, usually at higher interest rates.
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