Suppose that: 
If no other information is available, what will your guess about the spot rate in one year be?
Definitions:
Central Selling Point
A unique feature or benefit of a product or service that is emphasized to attract and convince potential customers.
Immediate, Personal Service
Prompt and individualized assistance tailored to meet specific needs of customers.
Welcoming Claims
Statements or assertions made with the intention of creating a friendly or hospitable environment.
Unethical Individuals
People who act in ways that violate moral principles or standards of conduct, often causing harm or disadvantage to others.
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