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The time value concept/calculation used in amortizing a loan is
Atmosphere
The layers of gas surrounding a planet, held in place by gravity, and composed of various gases that protect and sustain life on Earth by absorbing ultraviolet solar radiation, warming the surface through heat retention, and reducing temperature extremes between day and night.
Photosynthesis
The process by which green plants and some other organisms use sunlight to synthesize foods from carbon dioxide and water. Photosynthesis in plants generally involves the green pigment chlorophyll and generates oxygen as a byproduct.
Cellular Respiration
Metabolic reactions that use the energy from carbohydrate, fatty acid, or amino acid breakdown to produce ATP molecules.
Decomposers
Organisms that break down dead or decaying organisms, contributing to the nutrient cycle by recycling nutrients back into the ecosystem.
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