_________________________ a signature or an equivalent stamp that authorizes payment or a transfer of funds, or other financial transaction.

_________________________ has no designated payee, so the person who possesses it can demand payment.

_________________________ is one where the endorser puts his signature on the instrument as well as writes the name of a person to whom order the payment is to be made.

The most common _________________________ is the phrase For Deposit Only written along with the payee's signature on the back of a check.

The maker of a bill of exchange or check is called the ________________.

A ________________ is an individual or organization providing goods or services in exchange for money.

________________ is the party that has been ordered by the drawer to pay a certain sum of money to the person presenting the check.

________________ is a record of transactions in a checking account.

________________ includes deposits, charges, withdrawals, as well as the beginning and ending balance for the period, along with any interest earned.

________ involves an employer or financial institution electronically depositing your paycheck into a bank account.

Besides a scholarship or loan, another form of educational funding is a(n) ________, which is based on financial need, does not have to be repaid, and is often funded by the government.

Interest drawn on the sum of the original principal plus interest is called ________ interest.

Money that is paid for the use of money is called ________.

A savings or checking account at a credit union is called a(n) ________ account.

A(n) ________ is a type of mutual fund that invests in low-risk securities and is considered safe even though it is not FDIC-insured.

Deposits kept in credit unions are insured by the ________.

Federal insurance for depositors in commercial banks and savings and loans is provided by the ________.

________ banks provide the widest variety of banking services of any of the financial institutions.

A deposit that is set aside for a specified length of time at a specified rate is called a(n) ________.

A type of savings plan that offers a more competitive interest rate than a regular savings account is called a(n) ________.

The speed with which savings can be readily converted to cash is called ________.

The amount of money you place in savings is called ________.

Money borrowed for education, called ________, can be subsidized or unsubsidized.

The day on which a certificate of deposit must be renewed or cashed in is called the ________.

______ is combining telephone, Internet, and cable TV into one package.

A(n) ______ is a nonrefundable charge for a service.

The person who rents property is called the ______.

A(n) ______ is an individually owned unit in an apartment-style complex with shared ownership of common areas.

A(n) ______ is a refundable amount paid in advance to protect the owner against damage or nonpayment.

______ is the process of using another’s property for a fee.

A(n) ______ rental contains basic furniture, such as a bed, dresser, sofa, chairs, and dining table and chairs.

A(n) ______ is a building with two separate living units that share a common central wall.

The ______ is the owner of the property that is rented or leased.

A rental ______ is a detailed list of current property conditions.

Buildings that contain many small rooms for on-campus student housing are called ______.

A(n) ______ is a written agreement to rent property at a certain price for a specified period.

A studio apartment, or a(n) ______, has one large room that serves as the living room, dining area, and bedroom.

______ is the legal process of removing a tenant from rental property.

______ is the process by which students join fraternities and sororities.

The use of long-term savings to earn a financial return.

A rise in the general level of prices

A summary of a corporation’s financial results for the year and its prospects for the future.

A debt obligation of a corporation or a state or local government.

A unit of ownership in a corporation.

The pooling of money from many investors to buy a large selection of securities.

A contract in which you make a lump-sum payment or series of payments that earn interest in return for regular disbursements, often after retirement.

Low-priced stocks of small companies that have no track record.

A type of stock that pays a variable dividend and gives the holder voting rights.

A type of stock that pays a fixed dividend but has no voting rights.

Stocks in corporations that have a consistent history of paying high dividends to stockholders.

____________________ is a popular stock market index that tracks 30 U.S. blue-chip stocks.

____________________ is the largest equities-based exchange in the world, based on the total market capitalization of its listed securities.

____________________ is an independent federal government regulatory agency responsible for protecting investors, maintaining fair and orderly functioning of the securities markets, and facilitating capital formation.

____________________ It is a broad index that is heavily weighted toward the important technology sector.

Selling stock borrowed from a broker that must be replaced at a later time.

Money paid to stockholders from the corporation’s earnings.

________________ tries to directly measure the amount of return on a particular investment, relative to the investment’s cost.

________________ is a profit from the sale of property or an investment.

An increase in the number of outstanding shares of a company’s stock.

Fires, floods, and other natural disasters are categorized as ____________ risk.

A practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.

_______________ risks can arise from various factors such as recessions, inflation, exchange rate fluctuations, political instability, trade disputes, regulatory changes, and natural disasters.

_______________ risks are made as conscious choices and are not just a result of uncontrollable circumstances.

_______________ is an economic stake in an event for which a person or entity purchases an insurance policy to mitigate the risk of loss.

_______________ protects against claims resulting from injuries and damage to people and/or property.

______________________ are risks that directly affect an individual or family.

__________________ damaged due to uncontrollable forces such as fire, lightning, hurricanes, tornados, or hail.

____________________ is commonly interpreted to mean the chance of a single event resulting in large numbers of injuries, fatalities, or extensive property damage.

______________ a type of Operational Risk specifically the risk of being held liable or responsible for an action or inaction, whether or not at fault, resulting in a direct or indirect financial loss.

______________ the duration or period during which the policyholder is required to make payments for their insurance policy.

________________ is a specified amount of money that the insured must pay before an insurance company will pay a claim.

__________________ means compensating a person for damages or losses they have incurred or will incur related to a specified accident, incident, or event.

A ________________ is a defined dollar amount a patient pays for medical expenses.

________________ is the continuing process of identifying, analyzing, evaluating, and treating loss exposures and monitoring risk control and financial resources to mitigate the adverse effects of loss.

________________ is a process used to identify potential hazards and analyze what could happen if a disaster or hazard occurs.

________________ means to take on the legal responsibility of any consequences of participating in the risky activity.

________________ is when you lessen the potential damage that could be caused by a hazard or danger.

________________ is the transfer of risk(s) from one party to another party.

________________ is an approach that eliminates any exposure to risk that poses a potential loss.

______ is the capacity for catching on fire.

The ______ regulates interstate and international communications by radio, television, wire, satellite, and cable.

The ______ regulates unfair competition, false or deceptive advertising, and deceptive product labeling.

The ______ is a federal law enforcement agency that investigates consumer complaints regarding illegal use of the mail.

The ______ is a nonprofit organization focused on creating a more trusting relationship between businesses and customers.

______ is a nonprofit organization best known as the publisher of Consumer Reports.

A(n) ______ is a person who actively promotes consumer causes.

The ______ was proposed by President Kennedy, and it outlines basic consumer rights.

A(n) ______ is a reasonable, untrained person in a similar position.

______ allows media stored on one device to be accessed from another place through another device.

Consumers are ______ when they record video or audio for later viewing or listening.

______ generally means that you are asking the credit issuer to reverse the charge on your account.

A(n) ______ is one in which a large number of people with similar complaints against the same defendant join together to sue.

A(n) ______ is a court of limited jurisdiction that resolves cases involving small amounts.

A(n) ______ case involves a person who has a dispute with another person or entity.

A(n) ______ case involves a government unit that is accusing an individual of committing a crime.

The ______ is the presiding officer in the court and is either elected or appointed.

A body of citizens known as the ______ is sworn by a court to hear the facts submitted during a trial and to render a verdict.

______ is the process of gathering and sharing evidence in a lawsuit.

______ is a process in which a neutral third person, a negotiator, assists two parties in reaching a compromise that is acceptable to both sides.