### possession | credit:

Credit hour
* are a measure of enrollment used by colleges and universities
  - the number of hours of instruction that the course is scheduled for per week
* is credit
* term used in the context of flexible work schedules only.

Credit insurance
* covers liability for political and commercial risks.
* is popular to protect receivables and for financing purposes.
* pays when a customer or customers default on their debt.

### possession | credit:

Credit risk
* affects the valuation of interest rate sensitive assets subject to potential default.
* function of diversification of assets.
* is the dependent variable or the outcome
  - failure of another party to perform in accordance with the contract terms
  - most recognizable risk associated with banking
  - problem that American banks are facing
* is the risk a company defaults
  - resulting from the financial failure of another person
* represents the largest source of risk for many financial institutions.
* significant element of any derivatives transaction.

### possession | credit:

Credit scoring
* applies a mathematical formula to a consumer's credit history.
* calculates the level of risk that a loan is repaid using statistical modeling.
* form of profiling.
* increases the consistency, speed, and often the accuracy of credit evaluations.
* is an attempt to automate the process previously done by human underwriters
  - credit evaluation done by computer rather than banking personnel
  - the process that creditors use to predict economic risks
* scientific way of assessing how likely a borrower is to pay back a loan.

Memorial
* are a form of permanent memory
  - means by which societies unceasingly shape their pasts
  - an established form of recognizing people and events
  - icons
  - messages
  - nonprofit organizations
  - organisation
  - recognition
  - structures
* is credit
* ritualize remembrance and mark the reality of ends.

Dole
* are allowance
  - public assistance
  - shares
  - social welfare
* is welfare

### possession:

Eestate planning
* Estate planning can be a tool to keep funds under management
  - reduce tax load on life insurance payouts
  - complicated and sophisticated area of legal practice
  - concern for a growing number of people
* Estate planning is an area where a little knowledge can be a dangerous thing
  - important part of decision making in personal and business management
* Estate planning is concerned only with the conservation of existing assets
  - with passing as much of that wealth to heirs at the lowest tax cost
  - considered both a right and a responsibility of every individual
  - essential to attaining personal financial goals
  - just another form of financial planning
  - one of the main reasons for buying permanent or whole life insurance
  - really financial planning over a time horizon of two or more generations
  - simply another form of financial planning
* Estate planning is the development of a comprehensive plan and involves more than tax planning
  - process of preparing for the orderly transfer of one's property at death
  - way of setting down answers to some of life's critical questions

Egross estate
* A gross estate is an estate
* Gross estate means the total property of the decedent as defined under federal estate tax law.

Estate
* are a focus of unwarranted taxation
  - cars
  - classes
  - part of states
  - properties
  - real properties
* general term used to describe previously owned.
* means property of a decedent or ward that is subject to administration.

Expenditure
* are what is paid for health services by purchasers or what is received by providers.
* is classified by function and by economic classification.
* is the amount of money that someone pays out in a transaction
  - payment for goods and services