Add: UniNote ET DCM1107 Unit12 Self

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hyzen
2026-05-25 13:55:06 +05:30
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16 changed files with 188 additions and 44 deletions

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title: "Changelog"
---
[25-05-2026]
- ***UniNote ET DCM1107 Unit12 Self.***
[17-05-2026]
- Add UniNote ET DCM1109 Unit11 Self.
- ***UniNote BO DCM1109 Unit11 Self.***
[08-05-2026]
- Add UniNote ET DCM1107 Unit7 Self.
- ***UniNote ET DCM1107 Unit7 Self.***
[02-05-2026]
- Add UniNote ET DCM1107 Unit6 Self.
- ***UniNote ET DCM1107 Unit6 Self.***
[01-05-2026]
- Add UniNote ET DCM1107 Unit5 Self.
- ***UniNote ET DCM1107 Unit5 Self.***
[20-04-2026]
- Add UniNote PBM DCM1110 Unit4 Self.
- ***UniNote PBM DCM1110 Unit4 Self.***
[15-04-2026]
- Add UniNote PBM DCM1110 Unit3 Self.
- ***UniNote PBM DCM1110 Unit3 Self.***
[15-04-2026]
- Add UniNote BO DCM1109 Unit3 Self.
- ***UniNote BO DCM1109 Unit3 Self.***
[14-04-2026]
- Changelog page.
- Remove year from footer copyright.
- "Contents" style UniNotes page.
- ***Changelog page.***
- ***Remove year from footer copyright.***
- ***"Contents" style UniNotes page.***

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+++
draft = false
title = 'Unit 12'
unit = 'Unit 12'
layout = 'unit-choice'
url = '/uninotes/s1/et-dcm1107/unit12/'
+++

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+++
draft = false
semester = ['S1']
subjectcode = ['ET DCM1107']
unit = 'Unit 12'
notecategory = 'Self'
title = 'Unit 12'
toc = true
url = '/uninotes/s1/et-dcm1107/unit12/self/'
uniturl = '/uninotes/s1/et-dcm1107/unit12/'
+++
### ***May 25, 2026***
## Definitions
### Interest
The payment or reward given for borrowing money or using capital for a specific period of time.
### Gross Interest
The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
### Net Interest
The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.
### Nominal Rate of Interest
The stated rate of return on a loan or investment without considering the effect of inflation.
### Real Rate of Interest
The actual rate of return after adjusting the nominal interest rate for inflation, reflecting the true purchasing power of money.
### Liquidity
The ease or availability with which cash or assets can be converted into ready money for immediate use.
## Theories of Interest
| Theory of Interest | Economist(s) | Short Summary |
| ------------------------------------------- | ----------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Abstinence Theory of Interest** | **Nassau William Senior** | Interest is the reward paid to people who abstain from present consumption and save money for productive use. |
| **Bohm-Bawerks (Agio) Theory of Interest** | **Eugen von Böhm-Bawerk** (developed from John Raes ideas) | Interest arises because people value present goods more highly than future goods; therefore, compensation is needed for postponing consumption. |
| **Fishers Time Preference Theory** | **Irving Fisher** | Interest is the “price of time,” determined by peoples preference for present consumption over future consumption and investment opportunities. |
| **Loanable Funds Theory** | **Knut Wicksell, Bertil Ohlin, Dennis Robertson** | Interest is determined by the demand and supply of loanable funds, including savings, investment, bank credit, and hoarding. |
| **Liquidity Preference Theory** | **John Maynard Keynes** | Interest is the reward for parting with liquidity; it is determined by the demand for and supply of money. |

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<!doctype html><html class=html lang=en-us dir=ltr><head><meta charset=utf-8><meta name=viewport content="width=device-width"><title>Changelog | Freedoms4</title><link rel=stylesheet href=/css/style.min.34d0accb85f8ec23ceee8c29eef5907823b531d8acb9e6bdf45a3b37ad028d30.css integrity="sha256-NNCsy4X47CPO7owp7vWQeCO1Mdisuea99Fo7N60CjTA=" crossorigin=anonymous><link rel=icon href=/favicon.ico><meta name=description content="[17-05-2026]
Add UniNote ET DCM1109 Unit11 Self. [08-05-2026]
Add UniNote ET DCM1107 Unit7 Self. [02-05-2026]
Add UniNote ET DCM1107 Unit6 Self. [01-05-2026]
Add UniNote ET DCM1107 Unit5 Self. [20-04-2026]
Add UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
Add UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
Add UniNote BO DCM1109 Unit3 Self. [14-04-2026]
Changelog page. Remove year from footer copyright. “Contents” style UniNotes page. "><meta property="og:url" content="https://freedoms4.org/changelog/"><meta property="og:site_name" content="Freedoms4"><meta property="og:title" content="Changelog"><meta property="og:description" content="[17-05-2026]
Add UniNote ET DCM1109 Unit11 Self. [08-05-2026]
Add UniNote ET DCM1107 Unit7 Self. [02-05-2026]
Add UniNote ET DCM1107 Unit6 Self. [01-05-2026]
Add UniNote ET DCM1107 Unit5 Self. [20-04-2026]
Add UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
Add UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
Add UniNote BO DCM1109 Unit3 Self. [14-04-2026]
Changelog page. Remove year from footer copyright. “Contents” style UniNotes page."><meta property="og:locale" content="en_us"><meta property="og:type" content="website"><meta itemprop=name content="Changelog"><meta itemprop=description content="[17-05-2026]
Add UniNote ET DCM1109 Unit11 Self. [08-05-2026]
Add UniNote ET DCM1107 Unit7 Self. [02-05-2026]
Add UniNote ET DCM1107 Unit6 Self. [01-05-2026]
Add UniNote ET DCM1107 Unit5 Self. [20-04-2026]
Add UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
Add UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
Add UniNote BO DCM1109 Unit3 Self. [14-04-2026]
Changelog page. Remove year from footer copyright. “Contents” style UniNotes page."><meta itemprop=wordCount content="61"><link rel=alternate type=application/rss+xml href=/changelog/index.xml title=Freedoms4><link rel=stylesheet href=/css/custom.css><script>(function(){var e=localStorage.getItem("theme");e&&document.documentElement.setAttribute("data-theme",e)})()</script><script async src=https://plausible.freedoms4.org/js/pa-5BKl0z0RLzwrclKq4y-qk.js></script><script>(window.plausible=window.plausible||function(){(plausible.q=plausible.q||[]).push(arguments)},plausible.init=plausible.init||function(e){plausible.o=e||{}}),plausible.init()</script></head><body class=body><header class=header><div class=brand><img src=/logo.png alt="Freedoms4 logo"><h1>Freedoms4</h1><div class=brand__actions><button class=theme-toggle id=theme-toggle aria-label="Toggle theme" title="Toggle dark/light mode">
<!doctype html><html class=html lang=en-us dir=ltr><head><meta charset=utf-8><meta name=viewport content="width=device-width"><title>Changelog | Freedoms4</title><link rel=stylesheet href=/css/style.min.34d0accb85f8ec23ceee8c29eef5907823b531d8acb9e6bdf45a3b37ad028d30.css integrity="sha256-NNCsy4X47CPO7owp7vWQeCO1Mdisuea99Fo7N60CjTA=" crossorigin=anonymous><link rel=icon href=/favicon.ico><meta name=description content="[25-05-2026]
UniNote ET DCM1107 Unit12 Self. [17-05-2026]
UniNote BO DCM1109 Unit11 Self. [08-05-2026]
UniNote ET DCM1107 Unit7 Self. [02-05-2026]
UniNote ET DCM1107 Unit6 Self. [01-05-2026]
UniNote ET DCM1107 Unit5 Self. [20-04-2026]
UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
UniNote BO DCM1109 Unit3 Self. [14-04-2026]
Changelog page. Remove year from footer copyright. “Contents” style UniNotes page. "><meta property="og:url" content="https://freedoms4.org/changelog/"><meta property="og:site_name" content="Freedoms4"><meta property="og:title" content="Changelog"><meta property="og:description" content="[25-05-2026]
UniNote ET DCM1107 Unit12 Self. [17-05-2026]
UniNote BO DCM1109 Unit11 Self. [08-05-2026]
UniNote ET DCM1107 Unit7 Self. [02-05-2026]
UniNote ET DCM1107 Unit6 Self. [01-05-2026]
UniNote ET DCM1107 Unit5 Self. [20-04-2026]
UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
UniNote BO DCM1109 Unit3 Self. [14-04-2026]
Changelog page. Remove year from footer copyright. “Contents” style UniNotes page."><meta property="og:locale" content="en_us"><meta property="og:type" content="website"><meta itemprop=name content="Changelog"><meta itemprop=description content="[25-05-2026]
UniNote ET DCM1107 Unit12 Self. [17-05-2026]
UniNote BO DCM1109 Unit11 Self. [08-05-2026]
UniNote ET DCM1107 Unit7 Self. [02-05-2026]
UniNote ET DCM1107 Unit6 Self. [01-05-2026]
UniNote ET DCM1107 Unit5 Self. [20-04-2026]
UniNote PBM DCM1110 Unit4 Self. [15-04-2026]
UniNote PBM DCM1110 Unit3 Self. [15-04-2026]
UniNote BO DCM1109 Unit3 Self. [14-04-2026]
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@@ -246,7 +246,19 @@ c. Amalgamation&lt;/p&gt;
Types of Business Combination&lt;span class="heading__anchor"&gt; &lt;a href="#types-of-business-combination"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="a-horizontal"&gt;
A) Horizontal&lt;span class="heading__anchor"&gt; &lt;a href="#a-horizontal"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;These companies operate at the same level of production, distribution or supply chain.&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
&lt;/h3&gt;&lt;p&gt;These companies operate at the same level of production, distribution or supply chain.&lt;/p&gt;</description></item><item><title>Unit 12</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</guid><description>&lt;h3 class="heading" id="may-25-2026"&gt;
&lt;em&gt;&lt;strong&gt;May 25, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#may-25-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="definitions"&gt;
Definitions&lt;span class="heading__anchor"&gt; &lt;a href="#definitions"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="interest"&gt;
Interest&lt;span class="heading__anchor"&gt; &lt;a href="#interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The payment or reward given for borrowing money or using capital for a specific period of time.&lt;/p&gt;
&lt;h3 class="heading" id="gross-interest"&gt;
Gross Interest&lt;span class="heading__anchor"&gt; &lt;a href="#gross-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.&lt;/p&gt;
&lt;h3 class="heading" id="net-interest"&gt;
Net Interest&lt;span class="heading__anchor"&gt; &lt;a href="#net-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
&lt;em&gt;&lt;strong&gt;April 12, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#april-12-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="primary-sector"&gt;
Primary Sector&lt;span class="heading__anchor"&gt; &lt;a href="#primary-sector"&gt;#&lt;/a&gt;&lt;/span&gt;

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@@ -8,4 +8,4 @@
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@@ -19,6 +19,8 @@ Subscribe</a></div></div></div></div><nav class="menu language"><ul class="menu_
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<span class="uninotes-contents__cat uninotes-contents__cat--na">Live</span></span></li><li class=uninotes-contents__unit><a class=uninotes-contents__unit-link href=/uninotes/s1/et-dcm1107/unit7/>Unit 7</a>
<span class=uninotes-contents__unit-cats><a class="uninotes-contents__cat uninotes-contents__cat--self" href=/uninotes/s1/et-dcm1107/unit7/self/>Self</a>
<span class="uninotes-contents__cat uninotes-contents__cat--na">Live</span></span></li><li class=uninotes-contents__unit><a class=uninotes-contents__unit-link href=/uninotes/s1/et-dcm1107/unit12/>Unit 12</a>
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@@ -9,5 +9,5 @@
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<span>ET DCM1107</span></nav><h1>ET DCM1107</h1><ul class="uninotes-list uninotes-list--units"><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit1/>Unit 1</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit2/>Unit 2</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit5/>Unit 5</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit6/>Unit 6</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit7/>Unit 7</a></li></ul><nav class=page-nav><a class=page-nav__previous-link href=/uninotes/s1/ge-dcm1106/>← GE DCM1106</a>
<span>ET DCM1107</span></nav><h1>ET DCM1107</h1><ul class="uninotes-list uninotes-list--units"><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit1/>Unit 1</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit2/>Unit 2</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit5/>Unit 5</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit6/>Unit 6</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit7/>Unit 7</a></li><li class=uninotes-list__item><a class=uninotes-list__link href=/uninotes/s1/et-dcm1107/unit12/>Unit 12</a></li></ul><nav class=page-nav><a class=page-nav__previous-link href=/uninotes/s1/ge-dcm1106/>← GE DCM1106</a>
<a class=page-nav__next-link href=/uninotes/s1/bo-dcm1109/>BO DCM1109 →</a></nav></main><footer class=footer><p class=footer__copyright-notice>&copy; <a href=https://freedoms4.org>freedoms4.org</a> <a href=/changelog/>Changelog</a></p><p class=footer__theme-info>Built with <a href=https://gohugo.io>Hugo</a> and based on <a href=https://github.com/CyrusYip/hugo-theme-yue>Yue</a> theme</p></footer><script>(function(){var e=document.getElementById("theme-toggle");if(!e)return;function t(){var e=localStorage.getItem("theme");return e?e:window.matchMedia("(prefers-color-scheme: light)").matches?"light":"dark"}function n(e){document.documentElement.setAttribute("data-theme",e),localStorage.setItem("theme",e)}n(t()),e.addEventListener("click",function(){var e=document.documentElement.getAttribute("data-theme")||t();n(e==="dark"?"light":"dark")})})()</script><script>(function(){var e=document.getElementById("mobile-menu-check");if(!e)return;document.addEventListener("click",function(t){if(!e.checked)return;var n=e.closest(".brand__mobile-menu");n&&!n.contains(t.target)&&(e.checked=!1)})})()</script></body></html>

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@@ -39,7 +39,19 @@ D) Growth Defintion by Samuelson.&lt;/p&gt;
&lt;h2 class="heading" id="methods"&gt;
Methods&lt;span class="heading__anchor"&gt; &lt;a href="#methods"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;p&gt;A) Inductive (specific -&amp;gt; general).&lt;br&gt;
B) Deductive (general -&amp;gt; specific).&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit2/live/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit2/live/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
B) Deductive (general -&amp;gt; specific).&lt;/p&gt;</description></item><item><title>Unit 12</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</guid><description>&lt;h3 class="heading" id="may-25-2026"&gt;
&lt;em&gt;&lt;strong&gt;May 25, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#may-25-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="definitions"&gt;
Definitions&lt;span class="heading__anchor"&gt; &lt;a href="#definitions"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="interest"&gt;
Interest&lt;span class="heading__anchor"&gt; &lt;a href="#interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The payment or reward given for borrowing money or using capital for a specific period of time.&lt;/p&gt;
&lt;h3 class="heading" id="gross-interest"&gt;
Gross Interest&lt;span class="heading__anchor"&gt; &lt;a href="#gross-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.&lt;/p&gt;
&lt;h3 class="heading" id="net-interest"&gt;
Net Interest&lt;span class="heading__anchor"&gt; &lt;a href="#net-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit2/live/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit2/live/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
&lt;em&gt;&lt;strong&gt;April 12, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#april-12-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="types-of-utility"&gt;
Types of Utility&lt;span class="heading__anchor"&gt; &lt;a href="#types-of-utility"&gt;#&lt;/a&gt;&lt;/span&gt;

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<a href=/uninotes/s1/>S1</a>
<a href=/uninotes/s1/et-dcm1107/>ET DCM1107</a>
<span>Unit 12</span></nav><div class=uninotes-meta><span class=uninotes-meta__pill>S1</span>
<span class=uninotes-meta__pill>ET DCM1107</span></div><h1>Unit 12</h1><p class=unit-choice__subtitle>Choose type:</p><div class=unit-choice__options><a class="unit-choice__card unit-choice__card--self" href=/uninotes/s1/et-dcm1107/unit12/self/><div class=unit-choice__icon><svg viewBox="0 0 24 24" width="32" height="32" fill="currentColor"><path d="M12 3 1 9l4 2.18v6L12 21l7-3.82v-6l2-1.09V17h2V9L12 3zm6.82 6L12 12.72 5.18 9 12 5.28 18.82 9zM17 15.99l-5 2.73-5-2.73v-3.72L12 15l5-2.73v3.72z"/></svg></div><div class=unit-choice__label>Self</div><div class=unit-choice__desc>Self-study notes</div></a><div class="unit-choice__card unit-choice__card--live unit-choice__card--unavailable"><div class=unit-choice__icon><svg viewBox="0 0 24 24" width="32" height="32" fill="currentColor"><path d="M17 10.5V7c0-.55-.45-1-1-1H4c-.55.0-1 .45-1 1v10c0 .55.45 1 1 1h12c.55.0 1-.45 1-1v-3.5l4 4v-11l-4 4z"/></svg></div><div class=unit-choice__label>Live</div><div class=unit-choice__desc>Not available</div></div></div></main><footer class=footer><p class=footer__copyright-notice>&copy; <a href=https://freedoms4.org>freedoms4.org</a> <a href=/changelog/>Changelog</a></p><p class=footer__theme-info>Built with <a href=https://gohugo.io>Hugo</a> and based on <a href=https://github.com/CyrusYip/hugo-theme-yue>Yue</a> theme</p></footer><script>(function(){var e=document.getElementById("theme-toggle");if(!e)return;function t(){var e=localStorage.getItem("theme");return e?e:window.matchMedia("(prefers-color-scheme: light)").matches?"light":"dark"}function n(e){document.documentElement.setAttribute("data-theme",e),localStorage.setItem("theme",e)}n(t()),e.addEventListener("click",function(){var e=document.documentElement.getAttribute("data-theme")||t();n(e==="dark"?"light":"dark")})})()</script><script>(function(){var e=document.getElementById("mobile-menu-check");if(!e)return;document.addEventListener("click",function(t){if(!e.checked)return;var n=e.closest(".brand__mobile-menu");n&&!n.contains(t.target)&&(e.checked=!1)})})()</script></body></html>

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@@ -0,0 +1,13 @@
<?xml version="1.0" encoding="utf-8" standalone="yes"?><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Unit 12 on Freedoms4</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/</link><description>Recent content in Unit 12 on Freedoms4</description><generator>Hugo</generator><language>en-us</language><managingEditor>your-email@example.com (Freedoms4)</managingEditor><webMaster>your-email@example.com (Freedoms4)</webMaster><atom:link href="https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/index.xml" rel="self" type="application/rss+xml"/><item><title>Unit 12</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</guid><description>&lt;h3 class="heading" id="may-25-2026"&gt;
&lt;em&gt;&lt;strong&gt;May 25, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#may-25-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="definitions"&gt;
Definitions&lt;span class="heading__anchor"&gt; &lt;a href="#definitions"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="interest"&gt;
Interest&lt;span class="heading__anchor"&gt; &lt;a href="#interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The payment or reward given for borrowing money or using capital for a specific period of time.&lt;/p&gt;
&lt;h3 class="heading" id="gross-interest"&gt;
Gross Interest&lt;span class="heading__anchor"&gt; &lt;a href="#gross-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.&lt;/p&gt;
&lt;h3 class="heading" id="net-interest"&gt;
Net Interest&lt;span class="heading__anchor"&gt; &lt;a href="#net-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.&lt;/p&gt;</description></item></channel></rss>

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@@ -212,7 +212,19 @@ c. Amalgamation&lt;/p&gt;
Types of Business Combination&lt;span class="heading__anchor"&gt; &lt;a href="#types-of-business-combination"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="a-horizontal"&gt;
A) Horizontal&lt;span class="heading__anchor"&gt; &lt;a href="#a-horizontal"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;These companies operate at the same level of production, distribution or supply chain.&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
&lt;/h3&gt;&lt;p&gt;These companies operate at the same level of production, distribution or supply chain.&lt;/p&gt;</description></item><item><title>Unit 12</title><link>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/</guid><description>&lt;h3 class="heading" id="may-25-2026"&gt;
&lt;em&gt;&lt;strong&gt;May 25, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#may-25-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="definitions"&gt;
Definitions&lt;span class="heading__anchor"&gt; &lt;a href="#definitions"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h2&gt;&lt;h3 class="heading" id="interest"&gt;
Interest&lt;span class="heading__anchor"&gt; &lt;a href="#interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The payment or reward given for borrowing money or using capital for a specific period of time.&lt;/p&gt;
&lt;h3 class="heading" id="gross-interest"&gt;
Gross Interest&lt;span class="heading__anchor"&gt; &lt;a href="#gross-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.&lt;/p&gt;
&lt;h3 class="heading" id="net-interest"&gt;
Net Interest&lt;span class="heading__anchor"&gt; &lt;a href="#net-interest"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;p&gt;The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.&lt;/p&gt;</description></item><item><title>Unit 2</title><link>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</link><pubDate>Mon, 01 Jan 0001 00:00:00 +0000</pubDate><author>your-email@example.com (Freedoms4)</author><guid>https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/</guid><description>&lt;h3 class="heading" id="april-12-2026"&gt;
&lt;em&gt;&lt;strong&gt;April 12, 2026&lt;/strong&gt;&lt;/em&gt;&lt;span class="heading__anchor"&gt; &lt;a href="#april-12-2026"&gt;#&lt;/a&gt;&lt;/span&gt;
&lt;/h3&gt;&lt;h2 class="heading" id="primary-sector"&gt;
Primary Sector&lt;span class="heading__anchor"&gt; &lt;a href="#primary-sector"&gt;#&lt;/a&gt;&lt;/span&gt;