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Individual motivation and commitment are relatively unimportant when managing change.
CDS Buyer
An entity that purchases a credit default swap, obtaining protection against specific credit risks.
CDS Seller
A counterparty in a credit default swap agreement who provides credit protection, compensating the buyer in case of a debt default or other credit event.
Predatory Lending
Unscrupulous lending practices that impose unfair, deceptive, or abusive loan terms on borrowers, often leading to a debt trap.
Monthly Payments
Regular payments made on a loan or mortgage, usually consisting of principal and interest components, occurring once a month.
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