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Quality circles are now known as continuous improvement teams.
Lottery Winnings
Income received from winning lotteries, which is often subject to taxation.
Semiannual Payments
Payments made twice a year as part of a financial agreement, often seen in the context of bonds or loans.
Interest Rate
The percentage of the principal amount charged by a lender to a borrower for the use of assets, usually expressed as an annual rate.
Down Payment
An initial, upfront payment made for the purchase of an asset, with the balance of the price to be paid later.
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