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CONCAVE: A curve that is 'bowed-in' toward the origin, like entering a cave. Technically speaking, the slope of a concave curve decreases from left to right as the X-axis variable increases.

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BUSINESS TRANSFER PAYMENTS

Payments by the business sector to the household sector without any corresponding production. Business transfer payments are essentially gifts, or subsidies, made to the household sector from the business sector. At the aggregated level, this is one of several key differences between national income (the resource cost of production) and gross (and net) domestic product (the market value of production). Business transfer payments (BTP) tend to be quite small, invariably less than 1 percent of gross domestic product.

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Today, you are likely to spend a great deal of time at a garage sale looking to buy either a New York Yankees baseball cap or a solid oak entertainment center. Be on the lookout for telephone calls from long-lost relatives.
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The first U.S. fire insurance company was established by Benjamin Franklin in 1752 in Philadelphia.
"Few things can help an individual more than to place responsibility on him, and to let him know that you trust him. "

-- Booker T. Washington, educator

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