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Barriers to change include
Local Bank
A financial institution that operates within a limited geographic area, typically providing banking services to individuals and businesses in its community.
Retained Earnings
The portion of a company's profits not distributed to shareholders as dividends but retained for reinvestment in the business or to pay debt.
Net Income
The net income of a company following the subtraction of all costs and taxes from the gross revenue.
Cash Dividend
A cash dividend is a payment made by a company out of its profits to shareholders in the form of cash.
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