A LOAN extended by a BANK to a company that already has a high degree of LEVERAGE. HLT loans may be secured or unsecured, and typically have stringent COVENANTS requiring the leveraged

The highest risk when frequency and loss addresses smoke alarms, water hydrants, and sprinkler systems. There is a low premium rate.

A chemical swallowed that is lethal or can burn skin in the right concentration. It can also be a mist, dust, or fume if breathed for an hour. It is tested on

Using threats or intimidation illegally to sell insurance. It is used in marketing for medicare suppliments.

A single line in a DSL that gives 1.5 mbps of bandwidth. It is used on phone lines and can cover 20,000 ft.

AKA symmetrical digital subscriber line, or SDSL.

Items with high value and cost like jewelry and electronics. They are insurable and extra insurance may be needed.

A BOND issued by a firm with a SUBINVESTMENT GRADE CREDIT RATING (i.e., below BBB by Standard and Poor

The idea that an event can be predicted after it has already happened.

A rule made to protect personal information and data in medical records. It is a national standard in doctors offices, hospitals, or businesses. It also lets a patient see their records at

A car that is not the insured parties or a member of their household. It is rented by the insured party.

A system when a buyer pays for an item in installments while using it.

A period that start when the employer offers a job to a party and lasts until they have adjusted to the job.

A column chart that shows a sumary of changes in the upper and lower data sets. An x axis and a y axis are used to shown. Rectangles are also used to

A line chart that uses a histogram to join the midpoints in a straight line.It ends in a polygon shape. If more data is avialable than it becomes a frequency or frequency

When a partnership is started to restore structure to original functioning. A rehabilitation tax is given by the IRS for this. Taxes are reduced dollar for dollar. It can be builders, investors,

1. the original cost of an asset that a firm records on the books. It can be changed in the UK and Netherlands. Germany and the US forbids this. 2. money spent

Comparing money tables of years past and present. It uses changes to predict market behaviors.

A CREDIT RISK exposure computation methodology for SWAPS using historical INTEREST RATES. Under the historical method past interest rate (or swap rate) data is used to create a statistical distribution of rates.

A retrospective statistical measure of the price movement of an ASSET based on historical data, often conveyed in terms of VARIANCE or STANDARD DEVIATION. Historical volatility is applied to various financial and