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A disadvantage of the bulk cold fermentation technique is that, in a production setting, the baker has dough to work up at the outset of the workday, and the loaves can bake early, freeing up oven space for the later batches of dough.
Below Market Interest Rate
An interest rate that is lower than the current market rate, often provided as an incentive or through a subsidy.
Taxpayer
An individual or entity that is obligated to make payments to a governmental authority based on income earned or transactions conducted.
Economically Better Off
A condition where an individual or community experiences an improvement in financial situation, often measured by increases in income, wealth, or standard of living.
Transaction
A Transaction is an exchange or transfer of goods, services, or funds between two or more parties.
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