Commercial Banking, Part 3. Amortization, Depreciation, Marginal Tax Bracket, Marginal Tax Rate, Informal Line of Credit, Commitment Fee, Prime Rate, Subprime, default Rate, Recovery Rate, Loss Rate, Loss Provision, Junk Bonds, Credit Ratings, Investment-Grade, Collateral, Intangible Collateral, Lender Liability Suits, Consumer Loans, Installment Loans, Credit Cards, Credit Limit, Annual Fee, Usury Law, Credit Assessment, Credit Analysis, Credit Risk, Mortgage, Mortgage Loan, REPOs, Eurodollar Loans,