Finance is a term for matters regarding the management, creation, and study of money and investments.[1] Specifically, it deals with the questions of how and why an individual, company or government acquires the money needed – called capital in the company context – and how they spend or invest that money.[2] Finance is then often split into the following major categories: corporate finance, personal finance and public finance.[1]. . At the same time, and correspondingly, finance is about the overall "system" [1] – i.e., the financial markets that allow the flow of money, via investments and other financial instruments, between and within these areas; this "flow" is facilitated by the financial services sector. A major focus within finance is thus investment management – called money management for individuals, and asset management for institutions – and finance then includes the associated activities of securities trading and stock broking, investment banking, financial engineering, and risk management.. . Given its wide scope, finance is studied in several academic disciplines, and, correspondingly, there are several related professional qualifications that can lead to the field.. . The financial system consists of the flows of capital that take place between individuals (personal finance), governments (public finance), and businesses (corporate finance). Although they are closely related, the disciplines of economics and finance are distinct. The "economy" is a social institution that organizes a society's production, distribution, and consumption of goods and services, all of which must be financed.. . In general, an entity whose income exceeds its expenditure can lend or invest the excess, intending to earn a fair return. Correspondingly, an entity where income is less than expenditure can raise capital usually in one of two ways: (i) by borrowing, in the form of a loan (private individuals), or by selling bonds (may be government bonds or corporate bonds); (ii) by a corporate selling equity, also called stock or shares (may take various forms: preferred stock or common stock). The owners of both bonds and stock may be institutional investors – financial institutions such as investment banks and pension fund – or private individuals, called private investors or retail investors.. . The lending is often indirect, through a financial intermediary such as a bank, or via the purchase of notes or bonds (corporate bonds, government bonds, or mutual bonds) in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary earns the difference for arranging the loan.[5][6][7] A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders, of different sizes, to coordinate their activity.. . Investing typically entails the purchase of stock, either individual securities, or via a mutual fund for example. Stocks are usually sold by corporations to investors so as to raise required capital in the form of "equity financing", as distinct from the debt financing described above. The financial intermediaries here are the investment banks, which find the initial investors and facilitate the listing of the securities (equity and debt); and the securities exchanges, which allow their trade thereafter, as well as the various service providers which manage the performance or risk of these investments.. . In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc. The recipient (i.e., the borrower) incurs a debt and is usually liable to pay interest on that debt until it is repaid as well as to repay the principal amount borrowed.. . The document evidencing the debt (e.g., a promissory note) will normally specify, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and the date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.. . The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice, any material object might be lent.. . Acting as a provider of loans is one of the main activities of financial institutions such as banks and credit card companies. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.. . A mortgage loan is a very common type of loan, used by many individuals to purchase residential property. The lender, usually a financial institution, is given security – a lien on the title to the property – until the mortgage is paid off in full. In the case of home loans, if the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.. . Similarly, a loan taken out to buy a car may be secured by the car. The duration of the loan is much shorter – often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. In a direct auto loan, a bank lends the money directly to a consumer. In an indirect auto loan, a car dealership (or a connected company) acts as an intermediary between the bank or financial institution and the consumer.. . Other forms of secured loans include loans against securities - such as shares, mutual funds, bonds, etc. This particular instrument issues customers a line of credit based on the quality of the securities pledged. Gold loans are issued to customers after evaluating the quantity and quality of gold in the items pledged. Corporate entities can also take out secured lending by pledging the company's assets, including the company itself. The interest rates for secured loans are usually lower than those of unsecured loans. Usually, the lending institution employs people (on a roll or on a contract basis) to evaluate the quality of pledged collateral before sanctioning the loan.. . A stock market, equity market, or share market is the aggregation of buyers and sellers of stocks (also called shares), which represent ownership claims on businesses; these may include securities listed on a public stock exchange, as well as stock that is only traded privately, such as shares of private companies which are sold to investors through equity crowdfunding platforms. Investment in the stock market is most often done via stockbrokerages and electronic trading platforms. Investment is usually made with an investment strategy in mind.. . Stocks can be categorized by the country where the company is domiciled. For example, Nestlé and Novartis are domiciled in Switzerland and traded on the SIX Swiss Exchange, so they may be considered as part of the Swiss stock market, although the stocks may also be traded on exchanges in other countries, for example, as American depositary receipts (ADRs) on U.S. stock markets.. . A stock exchange is an exchange (or bourse)[note 1] where stockbrokers and traders can buy and sell shares (equity stock), bonds, and other securities. Many large companies have their stocks listed on a stock exchange. This makes the stock more liquid and thus more attractive to many investors. The exchange may also act as a guarantor of settlement. These and other stocks may also be traded "over the counter" (OTC), that is, through a dealer. Some large companies will have their stock listed on more than one exchange in different countries, so as to attract international investors.[6]. . One important function performed by CPAs relates to assurance services. The most commonly performed assurance services are financial audit services where CPAs attest to the reasonableness of disclosures, the freedom from material misstatement, and the adherence to the applicable generally accepted accounting principles (GAAP) in financial statements.[9] CPAs can also be employed within corporations (termed "the private sector" or "industry") in finance or operations positions such as financial analyst, finance manager, controller, chief financial officer (CFO), or chief executive officer (CEO). These CPAs do not provide services directly to the public.. . Financial accounting (or financial accountancy) is the field of accounting concerned with the summary, analysis and reporting of financial transactions related to a business.[1] This involves the preparation of financial statements available for public use. Stockholders, suppliers, banks, employees, government agencies, business owners, and other stakeholders are examples of people interested in receiving such information for decision making purposes.. . Financial accountancy is governed by both local and international accounting standards. Generally Accepted Accounting Principles (GAAP) is the standard framework of guidelines for financial accounting used in any given jurisdiction. It includes the standards, conventions and rules that accountants follow in recording and summarizing and in the preparation of financial statements.. . On the other hand, International Financial Reporting Standards (IFRS) is a set of passionable accounting standards stating how particular types of transactions and other events should be reported in financial statements. IFRS are issued by the International Accounting Standards Board (IASB).[2] With IFRS becoming more widespread on the international scene, consistency in financial reporting has become more prevalent between global organizations.. . While financial accounting is used to prepare accounting information for people outside the organization or not involved in the day-to-day running of the company, managerial accounting provides accounting information to help managers make decisions to manage the business.. . The statement of profit or income statement represents the changes in value of a company's accounts over a set period (most commonly one fiscal year), and may compare the changes to changes in the same accounts over the previous period. All changes are summarized on the "bottom line" as net income, often reported as "net loss" when income is less than zero.. . The net profit or loss is determined by:. . Sales (revenue). . – cost of goods sold. . – selling, general, administrative expenses (SGA). . – depreciation/ amortization. . = earnings before interest and taxes (EBIT). . – interest and tax expenses. . = profit/loss. . Advisors typically fall into two separate categories: broker-dealers (BD) who typically earn a commission from sales and registered investment advisers (RIAs) who typically charge a fee based upon assets under management while serving as fiduciaries and are registered at the state or federal level.[8] Additionally, an advisor can be either affiliated with a large firm ("wirehouse") or be independent (e.g., independent broker-dealer or IBD).[8] There are also "hybrid RIAs" who are both broker-dealers and registered.[9]. . The number of independent broker-dealer firms has declined from 1175 in 2007 to 819 in 2018, while RIA firms have grown from 9,538 to 15,645 over the same time period.[10] As of 2016, the largest IBD firm by revenue was LPL Financial followed by Ameriprise Financial and Raymond James Financial.[11] Edward Jones is another large broker-dealer, and in 2017 stopped selling commission-based funds in response to a best interest fiduciary rule by the Department of Labor.[12] As of 2019, Merrill Lynch had not adopted an RIA model while Wells Fargo and Goldman Sachs had opened up to the business model.[13] As of 2019, the largest fee-only RIA firm was Edelman Financial Engines with over $200 billion in assets under management, under the ownership of private equity firm Hellman & Friedman.[14] Other large fee-only RIA firms include Fisher Investments,[15] which has over $120 billion in assets under management.[16] As of 2019, 80% of the $4 trillion managed by RIAs were on one of four platforms: Fidelity Investments, TD Ameritrade, Schwab, and Pershing LLC.[17] Some RIAs operate inside "RIA aggregators" which provide institutional support similar to a wirehouse.[18]. . In the United States, the Financial Industry Regulatory Authority (FINRA) regulates and oversees the activities of brokerage firms, and their registered representatives. The Securities and Exchange Commission (SEC) regulates investment advisers and their investment adviser representatives. Insurance companies, insurance agencies and insurance producers are regulated by state authorities.[1] Investment Advisers may be registered with state regulatory agencies, the Securities and Exchange Commission, or pursuant to certain exemptions, remain unregistered.[19] finance, investing, dfs, loans, insurance, mortgage, toyota financial, fsa, life insurance, mutual funds, investment, ifa, honda financial services, toyota financial services, cfp, financial advisor, fpa, financial management, finance department, fsi, wealth management, financial planner, financial planning, financial institutions, american honda finance, department of finance, finance companies, finan, financial advisor salary, financial advisors, financial consultant, financial plan, national financial services, toyota financial service, financial adviser, financial advice, service finance, acura financial services, financial security, department of financial services, gofinancial, financial services companies, finance advisor, honda financial service, financial planners, financial industry, financial solutions, financial sector, house financial services committee, financial services industry, financial products, personal financial planning, professional financial services, financial advisor jobs, siemens financial services, best financial advisors, finance business, personal financial advisor, service finance company, finservice, financial advisory services, global financial services, dfs finance, free financial advice, financial services jobs, consumer financial services, car financial services, mercedes financial services, fee only financial planner, investment planner, financial services commission, new york state department of financial services, types of financial services, financial service providers, financial advisor fees, personal financial planner, financial planning process, financial planning jobs, finance websites, financial service representative, finance office, toyota finance service, company finance, chartered financial planner, what is financial services, finacial services, new york department of financial services, nys department of financial services, honda finance service, financial services consulting, top financial advisors, certified financial advisor, financial planning tools, independent financial advisors, banking and financial services, financial advisor career, financial management services, american financial services, usa finance finance, investing, dfs, loans, insurance, mortgage, toyota financial, fsa, life insurance, mutual funds, investment, ifa, honda financial services, toyota financial services, cfp, financial advisor, fpa, financial management, finance department, fsi, wealth management, financial planner, financial planning, financial institutions, american honda finance, department of finance, finance companies, finan, financial advisor salary, financial advisors, financial consultant, financial plan, national financial services, toyota financial service, financial adviser, financial advice, service finance, acura financial services, financial security, department of financial services, gofinancial, financial services companies, finance advisor, honda financial service, financial planners, financial industry, financial solutions, financial sector, house financial services committee, financial services industry, financial products, personal financial planning, professional financial services, financial advisor jobs, siemens financial services, best financial advisors, finance business, personal financial advisor, service finance company, finservice, financial advisory services, global financial services, dfs finance, free financial advice, financial services jobs, consumer financial services, car financial services, mercedes financial services, fee only financial planner, investment planner, financial services commission, new york state department of financial services, types of financial services, financial service providers, financial advisor fees, personal financial planner, financial planning process, financial planning jobs, finance websites, financial service representative, finance office, toyota finance service, company finance, chartered financial planner, what is financial services, finacial services, new york department of financial services, nys department of financial services, honda finance service, financial services consulting, top financial advisors, certified financial advisor, financial planning tools, independent financial advisors, banking and financial services, financial advisor career, financial management services, american financial services, usa finance finance, investing, dfs, loans, insurance, mortgage, toyota financial, fsa, life insurance, mutual funds, investment, ifa, honda financial services, toyota financial services, cfp, financial advisor, fpa, financial management, finance department, fsi, wealth management, financial planner, financial planning, financial institutions, american honda finance, department of finance, finance companies, finan, financial advisor salary, financial advisors, financial consultant, financial plan, national financial services, toyota financial service, financial adviser, financial advice, service finance, acura financial services, financial security, department of financial services, gofinancial, financial services companies, finance advisor, honda financial service, financial planners, financial industry, financial solutions, financial sector, house financial services committee, financial services industry, financial products, personal financial planning, professional financial services, financial advisor jobs, siemens financial services, best financial advisors, finance business, personal financial advisor, service finance company, finservice, financial advisory services, global financial services, dfs finance, free financial advice, financial services jobs, consumer financial services, car financial services, mercedes financial services, fee only financial planner, investment planner, financial services commission, new york state department of financial services, types of financial services, financial service providers, financial advisor fees, personal financial planner, financial planning process, financial planning jobs, finance websites, financial service representative, finance office, toyota finance service, company finance, chartered financial planner, what is financial services, finacial services, new york department of financial services, nys department of financial services, honda finance service, financial services consulting, top financial advisors, certified financial advisor, financial planning tools, independent financial advisors, banking and financial services, financial advisor career, financial management services, american financial services, usa finance funds, cash in hand, monetary resource, pecuniary resource, treasury, banking, financial, economics, loans, treasurer, lending, accounting, fund, loan, financier, investment, underwrite, capital, tax, credit, economic, money, cash, budgetary, bankroll, funding, financer, budget, fundraising, economy, financials, resources, comptroller, payment, pay, subsidize, fiscal, funded, subsidies, appropriations, monetary, subsidy, resource, exchequer, afford, support, office, subsidise, subsidization, appropriation, subvention, stock, sponsor, credits, subsidized, meet, absorb, defray, cover, sustain, accommodate, fin, pecuniary, supports, aided, subsidised, facility, provide, purse, hacienda, mali, co-financing, financiero, fund-raising, mof, subvent, tsoi, malian, debt, mortgage, equity, securitization, receivables, car loan, cameralistics, financial obligation, balloon payment, debt instrument, accountancy, soft loan, credit side, forfaiting, financial support, financial organization, budgeting, real estate, reloan, risk capital, financialist, borrowing, depository financial institution, premium bond, seed money, banker, zero coupon bond, security interest, commercial enterprise, time loan, foreign debt, macroeconomics, refinancing, no load fund, wadset, lenders, certificate of deposit, petty cash, bank rate, controllership, fenerate, shell company, repayment, discretionary fiscal policy, bank, debtee, dismortgage, refinance, front money, taxation, commercial activity, lender, bookkeeping, del credere, bank statement, corporate bond, bill of exchange, company store, marketing, investment banker, underwriting, chevisance, course credit, auditor, business activity, pecunious, key money, charge account, factor of production, liquidity, duebill, nondepository financial institution, political risk, hypothecator, commerce, communications, hot money, affairs, spendthrift trust, business, subtreasury, account statement, investment trust, blue sky law, loanmonger, internal audit, caution money, rehypothecate, diseconomy, green paper, mutuation, earnest money, prepayment penalty, credit limit, mergers, capital surplus, finance company, call loan, negoce, executive, structuring, accountant, general ledger, transfer tax, countinghouse, leasing, administrative unit, entrepreneurship, transportation, asset, business lunch, compound interest, procurement, transfer payment, agriculture, debt consolidation, growth stock, gross profit margin, statement of account, dollar bill, bearer bond, financial institution, fundholder, poind, quarterage, auditing, business deal, public assistance, mortage, hire purchase, subtreasurer, amount of money, governance, bonds, indebtedness, engineering, kpmg, fannie mae, broking, deputy, agribusiness, chartered accountant, planning, investing, vice president, venture capital, money laundering, microeconomics, government, securities, telecommunications, logistics, accounts receivable financing, infrastructure, disbursements, corporative, income, minister, brokerage, managing director, tenens, vice, sector, diba, credit foncier, healthcare, aviation, undercapitalization, euromoney, ministery, borrowers, associate, cashflow, expenditures, public, international, corporate, external, local, private, global, industrial, institutional, sound, necessary, municipal, agricultural, educational, federal, rural, adequate, inflationary, islamic, concessional, informal, behavioral, indirect, compensatory, structured, governmental, provincial, inadequate, cheap, speculative, wartime, orthodox, intergovernmental, managerial, behavioural, campaign, overseas, term, micro, terrorist, longterm, entrepreneurial, frenzied, concessionary, interim, multinational, multilateral, lease, cheaper, unsound, requisite, preferential, prudent, part, supplementary, subnational, hamiltonian, cosmopolitan, disordered, affordable, athenian, intermediated, globalized, nonbank, library, leveraged, redistributive, microenterprise, capitalistic, unsecured, centralised, medium, hsien, deflationary, ponzi, secured, ministry, journal, trade, sources, department, committee, source, administration, industry, currency, matters, ministers, ministries, institute, director, provision, insurance, secretary, availability, professor, personnel, essays, manufacturing, revenue, superintendent, departments, committees, estate, commissioner, shortage, globalization, subcommittee, commissariat, manpower, providers, reliance, flows, diplomacy, expert, intricacies, portfolio, reemergence, internationalization, chairmen, scott, commissar, captains, mba, controller, raising, secretariat, shipping, essentials, fundamentals, exigencies, almanac, provider, staffing, mainstay, portfolios, provided, providing, raise, obtain, concerned, helped, obtaining, dealing, rely, bridging, dominated, secure, lack, attract, arrange, seeking, securing, supply, inserted, helping, arranging, specializing, depended, supplying, plan, managing, deals, relied, manage, regulate, governing, attracting, organize, reform, regulating, substituted, dominate, endorse, controls, specialized, reforming, accessing, teaches, mobilize, specialize, backed, relying, specializes, resort, mobilizing, project, leases, majoring, channel, accommodating, majored, allocate, versed, export, allocating, starved, wholesale, mobilise, costs, obtains, accounts, revolutionized, arranges, specialising, channelled, housing, used, help, needed, required, borrow, agreed, borrowed, issued, offered, sold, raised, build, sell, selling, enable, issuing, issue, enabled, persuaded, relating, incurred, borrows, promote, levied, purchase, persuade, undertook, undertake, printing, lend, imposed, allocated, authorized, appropriated, utilized, lent, earn, earmarked, taxed, floated, administer, funds, cash, fund, funding, dime, penny, coffer, pay, amount, resources, sum, loot, paid, savings, fortune, amounts, financing, finance, dough, payoff, monetary, revenue, borrowing, wealth, quid, lucre, payment, wealthy, investment, spending, dollar, contributions, income, purse, payroll, stash, appropriation, buck, budget, expensive, expenditure, cost, financial, bet, wherewithal, capital, liquidity, property, wallet, aid, pocket, deposit, salary, bribe, laundering, allocation, coin, fee, ransom, credit, hay, means, booty, ticket, remittance, expense, profit, loan, retraining, recycle, value, liquid, denarii, contribution, reward, treasure, wash, holdings, gravy, bread, pecuniary, fiscal, coinage, recycling, scratch, figure, currency, gold, stock, washing, price, are, popcorn, mandate, resource, grubbing, dear, muni, profitability, bribery, silver, currencies, change, mint, tune, mace, exchange, wheat, banknote, uproar, rocks, refresher, capitals, fonds, argent, tender, gain, amla, chien, denier, aml, e-money, grubbers, money-laundering, monie, qian, time-saving, bleaching, jin, kim, metallic, silvery, somme, species, moolah, moola, taxpayer, bankroll, paycheck, dollars, cash value, dollar bill, sums, seed money, ready money, dosh, caution money, dinero, coffers, winnings, tidy sum, green paper, medium of exchange, small change, pennies, petty cash, disburser, paper currency, imburse, long green, hot money, donations, proceeds, bucks, premium bond, earnest money, nummary, front money, billions, piggybank, fenerate, piggy bank, recoinage, windfall, pickpurse, key money, pin money, benjamins, pay cash, greenbacks, pittance, megabucks, bank rate, pecunious, taxes, amount of money, opportunity cost, monetary value, pinchpenny, grants, solidare, piccage, theorica, sick pay, escheats, risk capital, slush fund, profits, financial support, largess, note of hand, millions, largesse, chievance, totten trust, valuable consideration, pesewa, payments, spendable, mutuary, loanable, carfare, investments, receipts, paper profit, commercial activity, no load fund, chump change, bank vault, credit side, financial gain, charities, certificate of deposit, cash desk, capital outlay, cameralistics, money belt, hypothecator, gazillions, finances, spendthrift trust, lump sum, checkbook, lickpenny, mispay, expenses, money handler, grubstake, zero coupon bond, endowment policy, blank check, manpower, mony, compound interest, dissave, nickels, boodle, expenditures, earles penny, monetary unit, money of account, stipendiate, subventions, kitty, endowments, regular payment, fiscus, del credere, chits, treasury, cagit, goltschut, chevisance, fork over, tunisian monetary unit, pockets, rent, time loan, upkeep, payouts, mutuation, investure, nest egg, tithes, disposable income, barrelhead, fees, overissue, seigniorage, margin call, cofferer, gobs, shell company, travel expense, honorariums, bearer bond, financial obligation, scrimping, irrevocable trust, warison, allocations, security interest, needier, piece of eight, game of chance, burdon, bill of exchange, gifts, transfer tax, quids, moneyage, defalk, one dollar bill, invest, aversion therapy, fundraising, chunk, budgets, gamble, scholarships, escrow, downpayment, enough, double, plenty, monopoly, wisely, tight, anymore, front, lust, dishonestly, more, much, little, extra, less, big, available, federal, ready, easy, sufficient, earnest, cheap, counterfeit, dirty, confederate, lawful, smart, spare, coined, funny, idle, worthless, save, scarce, payable, inconvertible, unaccounted, discretionary, surplus, stolen, fiduciary, your, cheaper, prize, fake, token, yer, lease, laundered, goddamn, unspent, powered, tighter, irredeemable, extorted, saudi, unearned, convertible, leftover, fiat, upfront, depreciated, bogus, clipped, quasi, how, phony, hoarded, blackmail, unclaimed, guided, goddamned, dearer, unbacked, minted, till, scared, proffered, printing, palauan, reparations, need, saving, goddam, milled, earned, imprest, stinking, kinda, spend, spent, making, raise, earn, buy, needed, borrow, borrowed, saved, send, lend, lose, raising, invested, earning, collected, losing, collect, owed, lent, costs, paying, loaned, owe, wasted, waste, collecting, lending, spends, deposited, saves, counted, wasting, investing, stole, throwing, steal, appropriated, donated, allocated, expended, count, earns, owes, counting, stealing, withdraw, advance, worry, extort, donate, repay, hand, lends, borrows, pouring, squandered, costing, accumulate, appropriate, buys, repaid, refund, loaning, pocketed, handing, refunded, part, begging, extorting, allocate, beg, squander, earmarked, collects, diverted, donating, needing, marrying, scrape, coining, invests, robbed, exchanging, squandering, pooled, procure, embezzled, expend, depositing, scraped, withdrawing, appropriating, accumulating, wired, time, lot, investing, investment funds, investor, invest, investors, equity, invested, asset, portfolio, reinvestment, invests, business, fund, financing, financial, capitalization, growth, wealth, capital, venture, finance, development, employment, outlay, funding, expenditure, money, trade, spending, hedge, bullion, merchant, contribution, commitment, involvement, placements, participation, inverter, payback, placement, fostering, input, buck, reversal, effort, mutual, care, custody, roi, reverse, confinement, remand, reversed, placing, internment, fdi, institutionalization, investissement, ofdi, inversion, invert, venture capital, diversification, brokerage, mutual fund, real estate, income, valuation, market, reit, shareholder, sharebroker, institutional investors, risk capital, hedge fund, sinopia, sector, securities, investure, no load fund, holdings, growth stock, premium bond, seed money, aum, firms, capital expenditure, profitability, reim, securitization, rockport, investment trust, liquidity, profits, economic, shareholdings, nondepository financial institution, small capital, balanced fund, seamark, capital surplus, finance company, factor of production, infrastructure, commercial enterprise, banking, forfaiting, financial support, overtrading, stockmarket, greenfield, money market fund, hot money, companies, arbitrage, cameralistics, omers, induement, refinancing, structuring, foreign direct investment, acquisitions, balance sheet, issuers, car loan, underwriting, cash flow, loans, lending, takeovers, leasing, financial organization, undercapitalization, strategic, spendthrift trust, overtrade, corporate bond, stock, debt, bank rate, illiquid, expansion, dividend, front money, inflow, petty cash, political risk, revenue, buying, stockholdings, hedgefund, zero coupon bond, financialist, joint stock company, ownership, cashflow, precious metals, recapitalization, debt instrument, broking, conversus, depository financial institution, mergers, chemical property, savings, venture capitalist, allocation, advisors, market capitalization, witan, domiciliation, retail, financial obligation, undercapitalize, outflow, domiciling, businesses, tax assessment, investment banker, value, totten trust, rief, mezzanine financing, public property, transactions, bearer bond, soft loan, diba, stock company, mutuation, commercial activity, transfer payment, blue sky law, private enterprise, business firm, key money, earnest money, business activity, capital loss, pecunious, security interest, caution money, amount of money, compound interest, credit side, business deal, certificate of deposit, del credere, company store, fenerate, constructive trust, green paper, endowment insurance, stockjobbing, paper profit, shell company, financial gain, life estate, stock certificate, ready money, bureau de change, endowment policy, cash value, margin call, economic rent, diseconomy, cost benefit analysis, bank, required, increased, attract, requires, require, encourage, fixed, increase, attracting, stimulate, promote, encouraged, protect, justify, financed, estimated, flows, attracted, discourage, undertaken, amounted, requiring, encouraging, recover, planned, promoting, discouraged, recoup, declined, direct, concentrated, undertake, earned, saving, justified, stimulated, accounted, exceeds, encourages, earn, pays, exceeded, induce, recovered, equals, allocated, protecting, manufacturing, discourages, declining, doubled, warrant, offset, repay, stimulates, discouraging, wasted, equal, repaid, undertaking, averaged, deter, channel, boost, diverted, totaled, double, recouped, foster, spur, attracts, totalled, earns, facilitating, sunk, lagged, channeled, risk, divert, channelled, decline, envisaged, justifies, restricting, safeguard, abroad, less, overseas, socially, greater, inward, profile, aggregate, heavier, real, profoundly, foreign, private, total, initial, net, domestic, gross, substantial, heavy, japanese, productive, parental, massive, profitable, wise, outward, worthwhile, autonomous, risky, speculative, stimulating, incremental, multinational, infrastructural, sizable, prudent, taiwanese, costly, induced, paternal, libidinal, longterm, sizeable, nonresidential, unproductive, narcissistic, lucrative, safer, upfront, safest, unplanned, unwise, riskless, unrecovered, unprofitable, wasteful, trifling, riskier, inbound, contracted, leveraged, lumpy, nonproductive, hefty, fascial, replacement, depreciable, outbound, remunerative, contemplated, return, rate, consumption, industry, returns, funds, equipment, plant, share, technology, assets, industries, agriculture, china, facilities, projects, sectors, enterprises, opportunities, exports, incentives, productivity, machinery, housing, dollars, profit, enterprise, restrictions, innovation, stocks, estate, shares, bonds, determinants, encouragement, corporations, earnings, yield, technologies, inventory, expenditures, ventures, inflows, tourism, barriers, irrigation, inventories, speculation, gdp, mining, dollar, loan, incentive, surge, attraction, borrowing, taiwan, surplus, capita, indonesia, depreciation, railways, subsidies, attractiveness, thailand, offspring, subsidiary, liberalization, influx, increment, malaysia, pricing, determinant, recipient, destination, boom, crores, and, also, decisions, banks, climate, costs, bankers, policy, goods, trusts, policies, advisers, analysis, strategies, trust, property, potential, services, practices, planning, expenses, demand, casting, cost, fid, outlays, committal, disinflation, group, inputs, intakes, roth, stake, capitalism, distribution, diversify, interest, laundering, leverage, banker, financial, bankers, finance, interbank, credit, deposit, hsbc, supervisory, monetary, exchange, banca, accumulation, storage, cumulation, subdivision, bok, banque, bcci, boc, eib, forex, ngan, pboc, brokerage, keb, silver, lending, broking, depositors, mortgage, pawnbroking, branchless, remittance, securitization, chequing, institutions, prudential, thrift, sector, accountancy, real estate, intermediation, retail, telecom, mergers, multibank holding company, fannie mae, moneylending, undercapitalization, fdic, telecommunications, commercial lending, investment, mutual fund, caja, depository, checkless, treasury, overdraft, underwriting, stockbrokers, temenos, liquidity, lenders, atms, firms, automated teller, credit card, hedge fund, transactions, macroeconomics, merchant, lloyds, forfaiting, merchant banking, diba, automated teller machine, cahoot, loans, commerce, automatic teller, debit card, citibank, bankcard, agribusiness, business, sinopia, derivatives, central bank, automatic teller machine, markets, securities, financials, hedgefund, equities, borrowers, realty, money laundering, brokers, consolidation loan, origination, credit crunch, trading, sharebroker, regulator, economy, investment banker, issuers, checking account, trema, healthcare, conveyancing, intermediaries, bourse, postilion, barclays, shinkin, wachovia, regulatory, creditcard, postal, raiffeisen, engaged, engage, dominated, relating, separated, permitted, expanded, regulate, concentrated, nationalized, prohibited, separating, permit, regulated, branch, engaging, conduct, dominate, regulating, combine, separate, invested, ranging, interested, combining, switched, organised, permitting, flourished, prohibit, warehousing, specializing, nationalize, pertaining, specialized, mixing, separates, branched, prohibiting, specializes, deregulated, reform, specialize, concentrating, hours, pioneered, diversified, investing, chartered, regulates, wholesaling, restructuring, services, nationalise, supervise, system, revolutionized, divorced, laws, monopolized, nationalised, liberalized, collapses, engages, monopolize, problems, also, forth, steeply, sharply, heavily, slightly, commercial, international, central, private, free, islamic, online, electronic, modern, universal, interstate, industrial, corporate, domestic, wholesale, fractional, rural, sound, multinational, indigenous, mobile, nationwide, scottish, internet, swiss, cooperative, canadian, overseas, wildcat, australian, offshore, centralized, computerized, sperm, statewide, prudent, correspondent, transnational, unregulated, wetland, unsound, mercantile, automated, reckless, blood, nigerian, state, florentine, item, modem, umbilical, transactional, unrestricted, unauthorized, philippine, decentralized, fringe, eurodollar, donor, cord, malaysian, intrastate, express, insurance, money, currency, committee, trade, industry, journal, affairs, industries, activities, manufacturing, transportation, estate, sectors, housing, operations, shipping, regulation, agriculture, shopping, transport, facilities, companies, competition, accounting, tourism, statistics, economics, mining, separation, communications, trust, utilities, subcommittee, career, hearings, developments, investments, retailing, supervision, businesses, financing, enterprises, marketing, restrictions, reforms, commissioner, railroads, taxation, monopoly, advertising, nationalization, economies, consulting, deregulation, airlines, crises, corporations, cong, senate, malaysia, publishing, committees, savings, barriers, nationalisation, innovations, internationalization, professions, farming, nigeria, circles, infrastructure, leasing, railways, petroleum, entertainment, merchandising, speculation, superintendent, hotels, careers, encyclopedia, tariff, ventures, credits, dawn, prohibition, poor, textiles, aviation, telephone, railroad, pharmaceuticals, tariffs, medieval, molding, trusts, broadcasting, profitability, internationalisation, franchise, purely, especially, strictly, particularly, proper, see, being, getting, fact, family, clouds, fire, institution, fires, plane, policy, houses, and, authorities, organizations, legislation, secrecy, regulations, aircraft, capital, left, supervisors, earth, success, future, practices, agencies, profits, amounts, ball, bancaire, panics, associations, empire, airplane, wings, fraud, altar, furnace, soil, integration, acc, acceptance, account, acct, aileron, apr, atm, banc, bank note, banknote, building society, chase, check, checking, clear, cleared, clearing, convertible, dealer, dep, deposits, escrow, fed, federal reserve system, ifc, incorporate, int, interest, ira, lend, lender of last resort, loan, lombard, lombard street, merchant bank, overdraw, pct, reserve, reserve city, reserves, right of offset, rothschild, skid, sperm bank, teller, trust company, wall street, abidjan, alan, augsburg, aviate, aviator, bank building, bean town, beantown, beirut, billiards, blank, blanking, boston, business relationship, capital of massachusetts, catalytic, cayman islands, concern, corporative, coup, credit mobilier, delegation, eba, eft, exchequer, faro, finances, geneva, georgetown, giannini, goldsmith, hawala, home banking, hour, house, hub of the universe, ifis, imf, inning, interregional, inti, into, lent, lobbies, lobby, lobbying, mba, lend, loanword, repayment, lender, mortgage, borrower, lending, credit, financing, borrowings, debt, debts, receivables, borrowing, borrow, finance, bank, borrowed, receivable, funding, lent, bond, appropriations, rebate, credits, appropriation, loaner, secondment, money, provision, facility, amount, fit, willing, vote, ready, willingness, readiness, exposure, sharking, reuben, preparedness, set, credence, take, seconding, detachment, prepared, prepare, crédito, circulation, stoop, prepayment penalty, overdraft, adjustable rate mortgage, creditor, collateral, securitization, mortgager, cosigner, guaranty, payment, credit card, indebtedness, promissory note, foreclosure, fannie mae, moneylender, guarantor, arrears, repossession, balloon payment, refinancing, reloan, car loan, debt instrument, soft loan, time loan, refinance, dismortgage, call loan, revolving credit, credit side, downpayment, mortage, credit limit, security interest, personal loan, unsecured debt, rehypothecate, rediscount, wadset, consolidation loan, debtee, payday, subprime, fenerate, adjustable rate, lease, financial obligation, del credere, equity of redemption, home loan, depository financial institution, fha, loanmonger, revolving loan, hypothecator, subordinated debt, accounts receivable, mezz, charge account, servicer, defaults, financial organization, forfaiting, note of hand, respondentia, duebill, mutuary, blanket lien, disbursements, secured loan, bank rate, origination fee, rent out, certificate of deposit, mezzanine financing, course credit, delinquencies, term loan, mutuation, prepayments, earnest money, bill of exchange, credit account, installment loan, key money, second mortgage, ibrd, underwriting, line of credit, debenture, mortgagors, suretyship, leaseback, debtors, foreign debt, compound interest, poind, readjuster, mortgagee, caution money, reserve fund, bailout, balance sheet, lien, freddie mac, loanee, financial support, checkless, charge card, hire out, zero coupon bond, equity, origination, liquidity, borrowing base, commitment letter, rediscount rate, defeasance, financial institution, bearer bond, recapitalization, homebuyer, disburser, forbearance, appraised value, commercial bank, shell company, cash, libor, premium bond, insurance, regular payment, fdic, defrayment, notes receivable, depositor, bank card, unborrowed, prepayment, assets, variable interest rate, waiver, investment, performance bond, fire insurance, rent, base rate, commercial lending, covenants, real estate owned, novation, tranche, dollar bill, hypothecation, gnma, liabilities, buyout, deferment, tenancy, arrearage, funded debt, buyer, capitalization, maturities, repay, pay, repaid, paid, secured, granted, obtain, approved, secure, ask, apply, guaranteed, financed, obtaining, raise, getting, negotiated, paying, forced, arranged, qualify, repaying, grant, buy, negotiate, advanced, extended, period, asking, granting, requested, applying, cover, arrange, securing, guarantee, charged, floated, sanctioned, amortized, negotiating, refused, float, approve, raising, pays, purchase, contracted, authorized, defaulted, repays, repayable, service, arranging, advance, disbursed, pledged, requesting, request, floating, obtains, funded, default, owed, amortize, contract, backed, guaranteeing, subscribed, servicing, sign, fund, renew, amounting, refuse, approving, secures, charge, value, qualifying, begged, procure, subscribe, grants, insured, conforming, guarantees, matures, refinanced, retire, amortizing, defaulting, sanction, cancelled, cosign, cancel, beg, back, authorizing, prepay, authorize, forgiven, tide, approves, qualifies, underwrite, procured, sanctioning, liquidate, arranges, refusing, insure, collateralized, denominated, deducted, redeem, canceled, begging, contracting, reinstate, oversubscribed, shopping, procuring, utilised, consolidate, cosigned, foreclosed, shop, avail, negotiates, renegotiate, foreclose, restructured, revolving, redeemed, discounted, interest, savings, rate, terms, term, security, proceeds, dollars, balance, payments, cost, company, cent, purpose, return, portion, principal, museum, gift, pounds, francs, duration, date, approval, purposes, corporation, maturity, banks, negotiations, subsidy, funds, sale, millions, offer, golub, thanks, deposit, disbursement, gallery, car, pesos, rupees, charges, scholarship, lakhs, marks, card, pledge, negotiation, crores, rubles, instalment, horse, repayments, receipt, dollar, currency, livres, yield, amortization, schedule, available, requests, imf, pollock, specimens, liability, closing, florins, yen, proposal, recipient, applicant, roubles, obligation, transaction, ducats, installment, equivalent, renewal, quantum, instalments, treasury, sterling, flotation, yuan, cancellation, subscribers, redemption, payoff, bankers, guilders, subscription, holder, lieu, customer, crowns, discount, museums, shillings, rental, refusal, eligibility, fee, subscriptions, doc, announcement, installments, utilisation, lire, liquidation, arc, bona, donation, portfolio, surety, otherwise, award, interlibrary, average, foreign, original, outstanding, free, permanent, conventional, unsecured, temporary, maximum, commercial, substantial, syndicated, soft, generous, payable, nonrecourse, subsidized, compulsory, indefinite, dutch, unpaid, sizable, assumable, adjustable, worth, austrian, postwar, link link link link link link link link link link link link link link link link link link link link link d666584e-cd13-4465-aeb3-7b08992fd86b