When using the effective-interest amortization method, the discount amortization is the excess of the calculated interest expense over the interest payment

Under the Equal Credit Opportunity Act (ECOA), a creditor cannot discriminate due to the fact that all or a part of applicants income derives from

A. a public assistance program B. steady employment C. inherited wealth D. a second job

Which of the following refers to the ability of a computer, product, or system to expand to serve a larger number of users without breaking down?

A) Modifiability B) Scalability C) Expandability D) Disintermediation E) SLA