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Create a 3 × 2 factorial design ANOVA.
Perfected
In legal and financial contexts, describes a security interest or claim that has been legally established and recorded, making it enforceable against third parties.
Secured Party
A lender or creditor that has a claim on assets (collateral) of the borrower if the loan is not repaid according to agreed terms.
Collateral
Property or assets that a borrower offers to a lender as security for a loan, which can be seized if the loan is not repaid according to the agreed terms.
Consumer Goods
Products and commodities that are bought and used by individuals and households for personal or household consumption.
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