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VERTICAL AXIS: In a graph, this is one of two lines that intersect at a right angle. This is the 'Y-axis' that runs up and down.

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INSURANCE

A service that transfers the risk of loss from an individual to a larger group. The larger group is typically represented by an insurance provider, either a private for-profit company or a government agency. The insurance provider can assume the risk through risk pooling. Risk averse people, who are willing to pay a premium to avoid risk, are the ones most inclined to purchase insurance. The risk averse individual agrees to incur a small guaranteed loss (the premium) but avoids incurring a less likely, but much bigger, loss.

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APLS

BLACK DISMALAPOD
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Today, you are likely to spend a great deal of time at a dollar discount store seeking to buy either a hepa filter for your furnace or a wall poster commemorating next Thursday. Be on the lookout for a thesaurus filled with typos.
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Much of the $15 million used by the United States to finance the Louisiana Purchase from France was borrowed from European banks.
"Long-range goals keep you from being frustrated by short-term failures "

-- J. C. Penney, Retailer

ARMA
Autoregressive Moving Average
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