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In the three-level hierarchy of intelligence tests,_____ factor(s) is/are at the top,_____ factor(s) is/are in the middle,and _____ factor(s) is/are at the bottom.
Contract Formation
The process by which parties agree to terms that are legally binding and enforceable.
Negotiable Instrument
A written document guaranteeing the payment of a specific amount of money, either on demand or at a set time, to the bearer or to an identified party.
Words of Negotiability
Specific phrases or wording required on financial instruments that allow them to be transferred or assigned freely.
Bearer Instrument
A negotiable financial instrument that designates payment to whoever holds or bears the instrument at the time of payment, with no need to prove ownership.
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