Find the second derivative. 
Definitions:
Face Value
The nominal value or dollar value printed on a security or a financial instrument, such as a bond or a stock certificate.
Market Rate
The prevailing interest rate available in the marketplace for instruments of similar risk and maturity.
Contract Rate
The predetermined fee or rate agreed upon in a contract for services rendered or goods sold.
Bonds
Long-term debt securities issued by corporations or governments to raise capital, paying interest to holders.
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