Document:

<PAGE>

                                                                    Exhibit 4.11

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW YORK, NEW YORK) (THE
"DEPOSITORY") TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE
OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.,
OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER,
PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

REGISTERED                                                        REGISTERED

                            THE DOW CHEMICAL COMPANY

                         5% NOTES DUE NOVEMBER 15, 2007

CUSIP NO. 260543 BU 6
ISIN NO. US260543BU64
No. R-1                                                          US$400,000,000

     THE DOW CHEMICAL COMPANY, a Delaware corporation (herein called the
"Company," which term includes any successor corporation under the Indenture
hereinafter referred to), for value received, hereby promises to pay to CEDE &
CO., or registered assigns, the principal sum of FOUR HUNDRED MILLION DOLLARS
(US$400,000,000) on November 15, 2007, in such coin or currency of the United
States of America as at the time of payment shall be legal tender for the
payment of public and private debts, and to pay interest, together with such
additional amounts (if any) as are described in Section 2 on the reverse of this
Note ("Additional Amounts"), thereon semi-annually on each May 15 and November
15, commencing May 15, 2003 and at maturity on said principal sum, in such coin
or currency of the United States of America as at the time of payment shall be
legal tender for the payment of public and private debts, at the rate per annum
specified in the title of this Security, from the May 15 or November 15, as the
case may be, next preceding the date of this Security to which interest has been
paid, unless the date hereof is a date to which interest has been paid, in which
case from the date of this Security, or unless no interest has been paid on this
Security, in which case from November 22, 2002, until payment of said principal
sum has been made or duly provided for. Payments of such principal and interest
(and Additional Amounts, if any) shall be made at the office or agency of the
Company in Chicago, Illinois, which, subject to the right of the Company to vary
or terminate the appointment of such agency, shall initially be at the principal
office of Bank One Trust Company, N.A., One Bank One Plaza, Chicago, Illinois
60670-0126; provided, that payment of interest (and Additional Amounts, if any)
may be made at the option of the Company by check mailed to the address of the
person entitled thereto as such address shall appear

<PAGE>

on the Security register; provided, further that so long as CEDE & CO. or
another nominee of the Depository is the registered owner of this Security
payments of principal and interest (and Additional Amounts, if any) will be made
in immediately available funds through the Depository's Same-Day Funds
Settlement System. Notwithstanding the foregoing, if the date hereof is after
May 1 or November 1, as the case may be, and before the following May 15 or
November 15, this Security shall bear interest from such May 15 or November 15;
provided, that if the Company shall default in the payment of interest due on
such May 15 or November 15, then this Security shall bear interest from the next
preceding May 15 or November 15, to which interest has been paid or, if no
interest has been paid on this Security, from November 22, 2002. The interest
(and Additional Amounts, if any) payable on any May 15 or November 15 will,
subject to certain exceptions provided in the Indenture referred to on the
reverse hereof, be paid to the person in whose name this Security is registered
at the close of business on the May 1 or November 1, as the case may be, next
preceding such May 15 or November 15, and the interest (and Additional Amounts,
if any) payable at maturity will be payable to the person to whom the principal
hereof shall be payable.

     Reference is made to the further provisions of this Security set forth on
the reverse hereof. Such further provisions shall for all purposes have the same
effect as though fully set forth at this place.

     This Security shall not be valid or become obligatory for any purpose until
the certificate of authentication hereon shall have been signed by the Trustee
under the Indenture referred to on the reverse hereof.

                        [Signatures appear on next page]

                                       2

<PAGE>

     IN WITNESS WHEREOF, THE DOW CHEMICAL COMPANY has caused this instrument
to be signed by facsimile by its duly authorized representative.

Dated: November 22, 2002

[SEAL]

Attest:                                 THE DOW CHEMICAL COMPANY

By: ____________________________        By: ____________________________________
    Name:  Thomas E. Moran                  Name:  Fernando Ruiz
    Title: Assistant Secretary              Title:  Vice President and Treasurer

                                       3

<PAGE>

                     TRUSTEE'S CERTIFICATE OF AUTHENTICATION

         This is one of the Securities of the series designated herein referred
to in the within-mentioned Indenture.

                                          Bank One Trust Company, N.A.,
                                          as Trustee

                                          By:
                                             -----------------------------------
                                             Authorized Signatory

                                       4

<PAGE>

                            THE DOW CHEMICAL COMPANY

                         5% NOTES DUE NOVEMBER 15, 2007

     Section 1. General. This Note is one of a duly authorized issue of
securities of the Company (herein called the "Securities"), issued and to be
issued in one or more series under an Indenture, dated as of April 1, 1992, as
supplemented by a supplemental indenture dated as of January 1, 1994, a second
supplemental indenture dated as of October 1, 1999, and a third supplemental
indenture dated as of May 15, 2001 (the "Indenture"), between the Company and
Bank One Trust Company, N.A., as successor in interest to The First National
Bank of Chicago, as Trustee (herein called the "Trustee", which term includes
any successor trustee under the Indenture), to which Indenture and all
indentures supplemental thereto reference is hereby made for a statement of
the respective rights, limitations of rights, duties and immunities thereunder
of the Company, the Trustee and the Holders of the Securities and of the terms
upon which the Securities are, and are to be, authenticated and delivered. This
Security is one of the Securities of the series designated on the face hereof.

     Section 2. Payment of Additional Amounts. The Company shall pay to any
Holder who is a Non-United States person (as defined below) such Additional
Amounts as may be necessary in order that every net payment in respect of the
principal, premium, if any, or interest, if any, on this Security, after
deduction or withholding by the Company or any Paying Agent for or on account
of any present or future tax, assessment or governmental charge imposed upon or
as a result of such payment by the United States or any political subdivision or
taxing authority thereof or therein, shall not be less than the amount provided
for herein to be then due and payable before any such deduction or withholding
for or on account of any such tax, assessment or governmental charge; provided,
however, that the foregoing obligation to pay such Additional Amounts shall not
apply to:

     (a) any tax, assessment or other governmental charge which would not have
  been so imposed but for:

          (i) the existence of any present or former connection between such
       Holder (or a fiduciary, settlor, beneficiary, member or shareholder of,
       or holder of a power over, such Holder, if such Holder is an estate,
       trust, partnership or corporation) and the United States, including,
       without limitation, such Holder (or such fiduciary, settlor, beneficiary,
       member, shareholder of, or holder of a power) being or having been a
       citizen or resident or treated as a resident thereof or being or having
       been engaged in a trade or business therein or being or having been
       present therein or having or having had a permanent establishment
       therein; or

          (ii) such Holder's present or former status as a personal holding
       company or foreign personal holding company or controlled foreign
       corporation for United States federal income tax purposes or corporation
       which accumulates

                                       5

<PAGE>

          earnings to avoid United States federal income tax;

     (b) any tax, assessment or other governmental charge which would not have
been so imposed but for the presentation by the Holder for payment on a date
more than 10 days after the date on which such payment became due and payable or
the date on which payment thereof is duly provided for, whichever occurs later;

     (c) any estate, inheritance, gift, sales, transfer, personal property or
excise tax or any similar tax, assessment or governmental charge;

     (d) any tax, assessment or other governmental charge which is payable
otherwise than by withholding from payments in respect of principal of, premium,
if any, or interest, if any, on this Security;

     (e) any tax, assessment or other governmental charge imposed on interest
received by a Holder or beneficial owner of this Security who actually or
constructively owns 10% or more of the total combined voting power of all
classes of stock of the Company entitled to vote within the meaning of Section
871(h)(3) of the United States Internal Revenue Code of 1986, as amended;

     (f) any tax, assessment or other governmental charge imposed as a result of
the failure to comply with:

          (i) certification, information, documentation, reporting or other
     similar requirements concerning the nationality, residence, identity or
     connection with the United States of the Holder or beneficial owner of this
     Security, if such compliance is required by statute, or by regulation of
     the United States Treasury Department, as a precondition to relief or
     exemption from such tax, assessment or other governmental charge (including
     backup withholding); or

          (ii) any other certification, information, documentation, reporting or
     other similar requirements under United States income tax laws or
     regulations that would establish entitlement to otherwise applicable relief
     or exemption from such tax, assessment or other governmental charge;

     (g) any tax, assessment or other governmental charge required to be
withheld by any Paying Agent from any payment of the principal of, premium, if
any, or interest, if any, on this Security, if such payment can be made without
such withholding by at least one other Paying Agent;

     (h) any tax, assessment or other governmental charge that is required to be
made pursuant to any European Union directive on the taxation of savings income
or any law implementing or complying with, or introduced to conform to, any such
directive; or

                                        6

<PAGE>

          (i)  any combination of items (a), (b), (c), (d), (e), (f), (g) or
               (h);

nor will such Additional Amounts be paid to any Holder who is a fiduciary or
partnership or other than the sole beneficial owner of this Security to the
extent a settlor or beneficiary with respect to such fiduciary or a member of
such partnership or a beneficial owner of this Security would not have been
entitled to payment of such Additional Amounts had such beneficiary, settlor,
member or beneficial owner been the holder of this Security. This Security is
subject in all cases to any tax, fiscal or other law or regulation or
administrative or judicial interpretation applicable thereto. Except as
specifically provided under this Section 2, the Company shall not be required to
make any payment with respect to any tax, assessment or governmental charge
imposed by any government or a political subdivision or taxing authority thereof
or therein.

     As used in this Section 2 and in Section 3 hereof:

          (a) the term "United States" means the United States of America
     (including the States and the District of Columbia) and its territories,
     its possessions and other areas subject to its jurisdiction;

          (b) the term "United States person" means a beneficial owner of the
     Securities that is for United States federal income tax purposes:

               (i) a citizen or resident of the United States;

               (ii) a corporation or other entity created or organized in or
          under the laws of the United States or of any political subdivision
          thereof;

               (iii) an estate the income of which is subject to United States
          federal income taxation regardless of its source; or

               (iv) a trust if (1) a court within the United States is able to
          exercise primary supervision over the administration of the trust, and
          (2) one or more United States persons have the authority to control
          all substantial decisions of the trust; and

          (c) the term "Non-United States person" means a beneficial owner of
     the Securities that is, for United States federal income tax purposes:

               (i) a nonresident alien individual;

               (ii) a foreign corporation; or

               (iii) a nonresident alien fiduciary of a foreign estate or trust.

     Section 3. Redemption; Sinking Fund. (a) Except as provided in paragraph
(b) below, the

                                       7

<PAGE>

Securities are not redeemable prior to maturity.

          (b)  If, as a result of:

               (i)  any change in or amendment to the laws (including any
          regulations or rulings promulgated thereunder) of the United States or
          any political subdivision thereof or therein affecting taxation, which
          becomes effective after November 6, 2002 or which proposal is made
          after such date;

               (ii) any change in the official application or interpretation of
          such laws, including any official proposal for such a change,
          amendment or change in the application or interpretation of such laws,
          which change, amendment, application or interpretation is announced or
          becomes effective after November 6, 2002 or which proposal is made
          after such date; or

               (iii) any action taken by any taxing authority of the United
          States which action is taken or becomes generally known after November
          6, 2002, or any commencement of a proceeding in a court of competent
          jurisdiction in the United States after such date, whether or not such
          action was taken or such proceeding was brought with respect to the
          Company;

     there is, in such case, in the written opinion of independent legal counsel
     of recognized standing to the Company, a material increase in the
     probability that the Company has or may become obligated to pay Additional
     Amounts in accordance with Section 2 hereof, and the Company in its
     business judgment, determines that such obligation cannot be avoided by the
     use of reasonable measures available to it, not including assignment of
     this Security, this Security may be redeemed, as a whole but not in part,
     at the Company's option at any time thereafter, upon notice to the Trustee
     and the Holders in accordance with the provisions of the Indenture at a
     redemption price equal to 100% of the principal amount of this Security to
     be redeemed together with accrued interest thereon to the date fixed for
     redemption.

          (c)  The Securities will not be subject to any sinking fund.

     Section 4. Events of Default. If an Event of Default with respect to
Securities of this series shall occur and be continuing, the principal of the
Securities of this series may be declared due and payable in the manner and with
the effect provided in the Indenture.

     Section 5. Modifications and Waivers; Obligation of the Company Absolute.
The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the Holders of the Securities of each series to be
affected under the Indenture at any time by the Company and the Trustee with the
consent of the Holders of at least a majority in principal amount of the
Securities at the time Outstanding of each series to be affected. The Indenture
also contains provisions permitting the

                                       8

<PAGE>

Holders of specified percentages in principal amount of the Securities of each
series at the time Outstanding, on behalf of the Holders of all Securities of
such series, to waive compliance by the Company with certain provisions of the
Indenture and certain past defaults under the Indenture and their consequences.
Any such consent or waiver by the Holder of this Security shall be conclusive
and binding upon such Holder and upon all future Holders of this Security and of
any Security issued upon the registration of transfer hereof or in exchange
herefor or in lieu hereof, whether or not notation of such consent or waiver is
made upon this Security.

     No reference herein to the Indenture and no provision of this Security or
of the Indenture shall alter or impair the obligation of the Company, which is
absolute and unconditional, to pay the principal of and interest (and Additional
Amounts, if any) on this Security at the times, places and rate, and in the coin
or currency, herein prescribed.

     Section 6. Authorized Denominations. The Securities are issuable in
registered form, without coupons, in denominations of $1,000 and any integral
multiple of $1,000 in excess thereof. As provided in the Indenture, and subject
to certain limitations therein set forth and to the limitations described below,
if applicable, Securities of this series are exchangeable for a like aggregate
principal amount of Securities of this series and of like tenor of a different
authorized denomination, as requested by the Holder surrendering the same.

     Section 7. Registration of Transfer. As provided in the Indenture and
subject to certain limitations therein set forth, the transfer of this Security
is registrable in the Security register upon surrender of this Security for
registration of transfer at the office or agency of the Company maintained for
that purpose in the City of Chicago, duly endorsed by, or accompanied by a
written instrument of transfer in form satisfactory to the Company and the
securities registrar (which shall initially be the Trustee, Bank One Trust
Company, N.A., One Bank One Plaza, Chicago, Illinois 60670-0126 (Attention:
Corporate Trust Department) or at such other address as it may designate as its
principal corporate trust office in the City of Chicago), duly executed by the
Holder hereof or his attorney duly authorized in writing, and thereupon one or
more new Securities of this series and of like tenor, of authorized
denominations and for the same aggregate principal amount, will be issued to the
designated transferee or transferees.

     This Security is exchangeable only if (x) the Depository notifies the
Company that it is unwilling or unable to continue as Depository for this
Security or if at any time the Depository ceases to be a clearing agency
registered under the Securities Exchange Act of 1934, as amended, (y) the
Company in its sole discretion determines that this Security shall be
exchangeable for certificated Securities in registered form or (z) an Event of
Default, or an event which with the passage of time or the giving of notice
would become an Event of Default, with respect to the Securities represented
hereby has occurred and is continuing, provided that the definitive Securities
so issued in exchange for this permanent Security shall be in denominations of
$1,000 and any integral multiple of $1,000 in excess thereof and be of like
aggregate principal amount and tenor as the portion of this permanent Security
to be exchanged, and provided further that, unless the Company agrees otherwise,
Securities of this series in certificated registered form will be issued in
exchange for this permanent Security, or

                                       9

<PAGE>

any portion hereof, only if such Securities in certificated registered form were
requested by written notice to the Trustee or the Securities Registrar by or on
behalf of a person who is beneficial owner of an interest hereof given through
the Holder hereof. Except as provided above, owners of beneficial interests in
this permanent Security will not be entitled to receive physical delivery of
Securities in certificated registered form and will not be considered the
Holders thereof for any purpose under the Indenture.

     No service charge shall be made for any such registration of transfer or
exchange, but the Company may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

     Section 8. Owners. Prior to due presentment of this Security for
registration of transfer, the Company, the Trustee and any agent of the Company
or the Trustee may treat the Person in whose name this Security is registered as
the owner hereof for all purposes, whether or not this Security is overdue, and
neither the Company, the Trustee nor any such agent shall be affected by notice
to the contrary.

     Section 9. No Recourse Against Certain Persons. No recourse for the payment
of the principal or interest (and Additional Amounts, if any) on this Security,
or for any claim based hereon or otherwise in respect hereof, and no recourse
under or upon any obligation, covenant or agreement of the Company in the
Indenture or any Supplemental Indenture thereto or in any Security, or because
of the creation of any indebtedness represented thereby, shall be had against
any incorporator, stockholder, officer or director, as such, past, present or
future, of the Company or of any successor corporation of either of them, either
directly or through the Company or any successor corporation of either of them,
whether by virtue of any constitution, statute or rule or law or by the
enforcement of any assessment or penalty or otherwise, all such liability being
by the acceptance hereof and as a condition of and as part of the consideration
for the issue hereof, expressly waived and released.

     Section 10. Defeasance. The Indenture with respect to any series will be
discharged and cancelled except for certain Sections thereof, subject to the
terms of the Indenture, upon payment of all of the Securities of such series or
upon the irrevocable deposit with the Trustee of cash or U.S. Government
Obligations (or a combination thereof) sufficient for such payment in accordance
with Article Ten of the Indenture.

     Section 11. Governing Law; Jurisdiction. The Indenture and the Securities
shall be governed by and construed in accordance with the laws of the State of
New York.

     Section 12. Notices. Notices to Holders shall be published in authorized
daily newspapers in The City of New York, in London, and, so long as the
Securities are listed on the Luxembourg Stock Exchange, in Luxembourg. Notice
may be given by publication in The City of New York in The Wall Street Journal,
in London in the Financial Times, and in Luxembourg in the Luxemburger Wort. Any
notice given pursuant to these provisions shall be deemed to have been given on
the date of publication or, if published more than once, on the date first
published.

                                       10

<PAGE>

     Section 13. Defined Terms. All terms used in this Security which are
defined in the Indenture shall have the meanings assigned to them in the
Indenture.

                                       11

<PAGE>

                                  ABBREVIATIONS

     The following abbreviations, when used in the inscription on the face
of this instrument, shall be construed as though they were written out in full
according to applicable laws or regulations:

         TEN COM - as tenants in common

         TEN ENT - as tenants by the entireties

          JT TEN - as joint tenants with right of survivorship and not as
                   tenants in common

         UNIF GIFT MIN ACT - ___________________________
                                       (Minor)

                 Custodian   ___________________________
                                      (Cust)

         Under Uniform Gifts to Minors Act   ____________________________
                                                       (State)

Additional abbreviations may also be used though not in the above list.

                                       12

<PAGE>

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s)
unto

PLEASE INSERT SOCIAL SECURITY OR
OTHER IDENTIFYING NUMBER OF ASSIGNEE

-----------------------------------------------------------

--------------------------------------------------------------------------------
PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE

--------------------------------------

--------------------------------------

--------------------------------------

the within Security and all rights thereunder, hereby irrevocably constituting
and appointing ______ _____________________________ attorney to transfer said
Security on the books of the Company, with full power of substitution in the
premises.

Dated:   __________________________

Signature: ____________________________

NOTICE:  THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS
         WRITTEN UPON THE FACE OF THE WITHIN INSTRUMENT IN EVERY
         PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE
         WHATEVER.

                                       13<PAGE>
                                                                    EXHIBIT 10.3

                                 PROMISSORY NOTE

MAKER:                           Prime Rate Income & Dividend Enterprises, Inc.

HOLDER:                          Pride, Inc.

FACE AMOUNT:                     $360,000

INTEREST:                        4.25% per annum, simple, payable monthly in
                                 arrears, balance at maturity

NOTE DATE:                       November 12, 2002

MATURITY DATE:                   November 12, 2005

         For value received, Maker, whose business address is at 1401 17th
Street, Suite 1150, Denver, CO 80202, promises to pay to the order of Holder,
whose business address is at 2525 15th Street, #3H, Denver, CO 80211, the Face
Amount of THREE HUNDRED AND SIXTY THOUSAND DOLLARS ($360,000.00), plus simple
interest of four and a quarter percent (4.25%) per annum, in installments as
described below, with the balance on the Maturity Date indicated above.

         Installments of $10,000 shall be due on the 15th day of each
consecutive month until the Maturity Date, with the first installment due
December 15, 2002, and the remaining balance shall be due on the Maturity Date.

         All payments made hereunder shall be made in lawful currency of the
United States of America on or before 5:00 p.m. M.S.T. on each installment due
date at Holder's business address or at such other place as the Holder may
designate in writing. All partial payments made hereunder shall be allocated
first to accrued but unpaid interest and then to payments of principal remaining
outstanding hereunder.

         This Note is secured by Collateral, as defined in a certain pledge
agreement of even date herewith by certain pledgors in favor of Holder. In the
event of a default on this note, should Holder realize a deficiency from any
sale of the Collateral or be unable to liquidate the Collateral after using
reasonable efforts to do so, Holder may recover such deficiency, or the full
amount due, as the case may be, including costs of collection, from Maker.

         Maker, for itself and for any guarantors, sureties, endorsers and/or
any other party now or hereafter liable hereon, if any, hereby waives demand of
payment, presentment for payment, protest, notice of nonpayment or dishonor, any
substitution or release of collateral, any and all other notices and demands
whatsoever, all claims for liability against Holder in connection with the
declaration of a default hereunder and any and all delays or lack of diligence
in the collection hereof, and expressly consents and agrees to any and all
extensions or postponements of the time of payment hereof from time to time at
or after the Maturity Date and any other indulgence and waives all notice
thereof. Maker agrees to pay all reasonable costs of collection, including
attorneys' fees, disbursement, and costs, paid or incurred by Holder in
enforcing this Note on default of the rights and remedies herein provided.

         No delay or failure by Holder in exercising any right, power, privilege
or remedy hereunder shall affect such right, power, privilege or remedy or be
deemed to be a waiver of the same or any part thereof; nor shall any single or
partial exercise thereof or any failure to exercise thereof, or exercise of any
other right, power, privilege or remedy. The rights and privileges provided for
hereunder are cumulative and not exclusive.

                                  Page 1 of 2                    Initials:
                                                                          ------

<PAGE>
         All agreements between Maker and Holder, whether now existing or
hereafter arising and whether written or oral, are hereby limited so that in no
contingency, whether by reason of acceleration of the maturity hereof or
otherwise, shall the interest contracted for, charged, received, paid, or agreed
to be paid to the holder hereof, exceed the maximum amount permissible under
applicable law. If, from any circumstance whatsoever, interest would otherwise
be payable to the Holder in excess of the maximum lawful amount, the interest
payable to the Holder shall be reduced to the maximum amount permitted under
applicable law, and if from any circumstance the holder hereof shall ever
receive anything of value deemed interest by applicable law in excess of the
maximum lawful amount, an amount equal to any excessive interest shall be
applied to the reduction of the principal hereof and not to the payment of
interest, or if such excessive interest exceeds the unpaid balance of principal
hereof, such excess shall be refunded to Maker. This paragraph shall control all
agreements between Maker and the Holder.

         This Note shall be construed under and governed by the laws of the
State of Colorado, and any action brought to enforce this Note or resolve any
controversy, breach, or disagreement relative to this Note shall be brought only
in a court of competent jurisdiction within the State of Colorado. Maker hereby
waives all rights to demand a jury trial and consents to the jurisdiction of the
courts of Colorado.

PRIME RATE INCOME & DIVIDEND ENTERPRISES, INC.

By:
         -------------------------------------

Its:
         -------------------------------------

                                  Page 2 of 2

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