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February 10, 2026 

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A: The common notation for the "intercept" term of an equation specified as Y = a + bX. Mathematically, the a-intercept term indicates the value of the Y variable when the value of the X variable is equal to zero. Theoretically, the a-intercept is frequently used to indicate exogenous or independent influences on the Y variable, that is, influences that are independent of the X variable. For example, if Y represents consumption and X represents national income, a measures autonomous consumption expenditures.

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RISK PREMIUM

The difference between a guaranteed or certain income and a risky income that generate the same level of utility. Risk premium is the amount of income that a risk adverse person is willing to pay to avoid the risk. Alternatively, it is the amount of income that a risk loving person is willing to pay to engage in risk. For risk aversion, the risk premium is the amount a person would pay for insurance.

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GREEN LOGIGUIN
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Today, you are likely to spend a great deal of time at an auction looking to buy either clothing for your pet iguana or a set of hubcaps. Be on the lookout for jovial bank tellers.
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The average bank teller loses about $250 every year.
"Cherish your visions and your dreams as they are the children of your soul; the blue prints of your ultimate achievements."

-- Napoleon Hill, Author

ACIR
Advisory Council on Intergovernmental Relations
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