Determine if 
converges or diverges. Show your work.
Definitions:
Instrument
A formal document, such as a contract, will, or legal filing, that records and formalizes rights, obligations, or transactions.
Gift
A transfer of personal property by one individual to another without any consideration or payment.
Acceptor
In the context of banking and finance, an acceptor refers to the party who agrees to pay a bill of exchange or draft, typically a bank.
Draft
A preliminary version of a document or plan, subject to revisions and corrections.
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