A swap bank makes the following quotes for 5-year swaps and AAA-rated firms: 
Definitions:
Mental Abilities
The cognitive functions and capabilities of the brain, including reasoning, memory, problem-solving, and understanding.
Personality Structure
A framework used in psychology to categorize and understand the different components that make up human personality, such as traits, behaviors, and thought processes.
Spearman
A reference to Charles Spearman, a psychologist who contributed significantly to the development of factor analysis and the concept of general intelligence.
Psychological Tests
Standardized measures or assessments used to evaluate mental, emotional, or behavioral functioning and abilities.
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