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The habitus is
Promissory Note
A signed document containing a pledge to pay a stated sum to a specified person under agreed conditions, reinforcing the obligation to fulfill monetary commitments.
T-bills
Short-term government securities with maturity periods typically less than a year, used as a financial instrument to manage short-term liquidity.
Simple Interest
Interest calculated only on the principal amount, not on accumulated interest.
Discount Rate
The discount rate applied in the evaluation of discounted cash flow to ascertain the current worth of anticipated future cash flows.
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