Predict the product for the following reaction. 
Definitions:
Quoted Rate
The stated interest rate or financial charge on a loan or financial product.
Interest
The charge for borrowing money, typically expressed as a percentage of the amount borrowed.
Annuity
A monetary product offering a set sequence of disbursements to a recipient, frequently used to generate income for people who are retired.
Discount Rate
In finance, the interest rate used to discount future cash flows of a financial instrument to present value, reflecting the opportunity cost of capital.
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