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Full justification should be used when:
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.
Credit Union
A member-owned financial cooperative that provides traditional banking services.
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