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The optimal level of item difficulty is MOST typically
Composition Agreement
An arrangement between a debtor and their creditors in which the creditors agree to accept a partial payment in satisfaction of the debts owed.
Creditors
Creditors are individuals or entities that are owed money by another entity or individual, known as a debtor.
Debtor
A person, company, or country that owes money.
Surety
A surety involves a third party agreeing to take on the obligation of paying back a debt or performing a duty if the primary obligor fails to do so.
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