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The most defensible practice for scoring essay tests is to evaluate
Principal Debtor
The main individual or entity legally obligated to repay a debt or loan in accordance with the terms of the agreement.
Guarantor
An individual or entity that agrees to be responsible for another's debt or performance under a contract if the original party fails to meet their obligations.
Obligor
A person who is bound by a promise or other obligation; a promisor.
Statute of Frauds
A legal doctrine requiring certain contracts to be documented in writing and officially signed, aimed at preventing fraudulent claims and enforcing agreements.
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