### debt | loan:

Interlibrary loan
* cooperative system by which libraries share materials with each other.
* is always a transaction between libraries.
* is the borrowing of materials from one library by another library
  - process used to borrow and lend materials with other libraries
* mechanism for different libraries to share materials.
* process involving transactions based on agreements between libraries.
* service based on courtesy between libraries.

Payday loan
* are high-cost, short term loans that use a borrower's personal check as collateral.
* are small, short-term loans at extremely high interest rates
  - made by check cashers at extremely high interest rates
  - very popular in American continents
* represent the worst kind of usury and exploitation of desperate consumers.
+ Loan, Types of loan, Payday loans: Money
  * Payday loans are given on the basis of employment and income.

### debt | loan:

Personal loan
* are loans
  - often the only form of debt financing available to a startup company
  - unsecured loans that come in either a lump sum or a revolving line of credit
* is any purpose loan.
+ Loan, Types of loan, Secured and unsecured loans: Money
  * Because of the high risk involved, unsecured loans are given out in smaller amounts and have higher interest rates. The lenders raise the interest rates in an effort to recover their money as quickly as possible. Most personal loans are unsecured loans.

Unsecured loan
* are loans that are given without pledges of repayment.
+ Loan, Types of loan, Secured and unsecured loans: Money
  * Unsecured loans are loans that are given without pledges of repayment. This means that the borrower is not required to provide security to get the loan.

Unsubsidized loan
* are loans in which the student is responsible for the interest which accrues.
* charge interest during in school periods.
* increase the availability of funds.
* require a student to make quarterly interest payments while attending college.

Personal debt
* falls as a percentage of family income as family budgets improve.
* is the most serious problem that most people face today
  - what is really screwing people

Public debt
* are debts.
* remains a constraint on the economy.

Secured debt
* are debts that are secured by real or personal property
  - obligations associated with specific items of property
  - where the creditor has collateral
* is debt that is secured by something tangible

Subordinated debt
* is generally in the form of bonds, while most bank loans are senior debt.
* way to remove a bank's incentive to go for broke.

Total debt
* includes all interest bearing debt.
* is divided by net worth.
* starts to rise in relationship to equity.

Unsecured debt
* are debts where no collateral was placed on a loan to obtain credit
  - money obligations for which the creditors hold no lien
  - things such as credit cards, hospital bills and doctor bills
  - virtually all other debts owed
* is any debt that has no collateral backing the loan
  - what credit cards are for

### decidual cells:

Adjacent cell
* are decidual cells.
* interact through light interception at low sun angles.

Decker
* are artifacts.
* is an artifact

### declines:

Neglect
* can be a form of violence against transgender peoples
  - on a physical, educational, or emotional level
* is declines
  - inattention
* refers to the failure to provide for the physical and emotional needs of the child
  - needed, age-appropriate care
* teaches children that they are uninteresting and unimportant.
* varies in degree, and it can affect some children more profoundly than others.

### declines | neglect:

Benign neglect
* is an oxymoron.
* is the keyword in duckweed cultivation
  - secret to long-term investing success