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Discounting the future is said to partly explain governmental budget deficits,environmental destruction,and decaying urban infrastructure.
Life Insurance Companies
Financial institutions that provide policies to individuals, offering a sum of money to designated beneficiaries upon the policyholder's death in exchange for premiums paid during the policyholder’s lifetime.
Pension Funds
Financial programs that accumulate resources during an employee's working years and pay out retirement benefits upon reaching retirement age.
Short-term Securities
Financial instruments, such as bonds or Treasury bills, that mature or are redeemable within a short period, typically less than one year.
Long-term Securities
Financial instruments that have a maturity period exceeding one year and include bonds, debentures, and other investment vehicles.
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