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One contemporary theory of criminal behavior comes from Samuel Yochelson and Stanton Samenow, who propose that:
Accrued Interest
Interest that has accumulated over a period but has not yet been paid or officially recorded.
Maturity Date
The date on which a financial instrument, such as a bond or loan, is due to be repaid in full.
Bank Credit Cards
Financial tools issued by banks that allow cardholders to borrow funds within a pre-approved limit for purchases or cash withdrawals.
Fees
Charges levied for services provided, often related to professional, financial, or administrative tasks.