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In practice, there are two common ways to change a culture.They are:
Zero-Coupon Bond
A debt security that does not pay periodic interest, instead being sold at a discount and maturing at face value, generating profit at redemption.
Interest Payments
The cash outflows that a borrower makes to a lender as a compensation for the use of borrowed funds.
Premium Bond
A bond that is trading above its par value in the financial markets.
Default Risk Premium
The additional yield that an investor demands for holding a bond with default risk over a similar risk-free security.
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