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Why does the Chapter advise against creating your own theme from scratch?
Retirement
The act of withdrawing from one's position or occupation, or the period of life after ending one's career, often implying financial self-sufficiency.
Stated Dollar Amount
A specified amount of money expressed in dollars, often referring to the face value of financial instruments or the nominal amount in transactions.
Credit Ratings
Assessments of the creditworthiness of borrowers, ranging from governments to private enterprises, indicating their ability to repay borrowed money.
Speculative
Involving financial transactions with a high risk of loss but also the potential for significant gains, often based on future expectations.
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