The superior dynamic range of CR systems, coupled with the ability to enhance and manipulate the processed image (software filters), ensures reshoots are eliminated. With ongoing technological advancements and significant cost reductions with regards to purchasing, processing, and storage of traditional film, digital systems have rapidly become the preferred choice. There are several advantages to choosing a DR panel system vs a CR system.

This sort of anisotropic blur is not present in DR systems, which have discrete detector elements fixed in space. It increases an asset or expenses account or decreases equity liability or revenue accounts. Here, the asset gained (computer) is to be notified on the left side of the asset account. The “X” in the debit column denotes the increasing effect of a transaction on the asset account balance (total debits less total credits), because a debit to an asset account is an increase. The asset account above has been added to by a debit value X, i.e. the balance has increased by £X or $X. Likewise, in the liability account below, the X in the credit column denotes the increasing effect on the liability account balance (total credits less total debits), because a credit to a liability account is an increase.

She has counseled hundreds of patients facing issues from pregnancy-related problems and infertility, and has been in charge of over 2,000 deliveries, striving always to achieve a normal delivery rather than operative. Element has invested over $3m in computed radiography equipment and training to expand its aerospace NDT testing capabilities across the UK and the USA. Element’s industry-leading laboratories host the latest digital radiographic testing equipment that can quickly and efficiently identify weaknesses in your materials. Our experts use this powerful non-destructive testing method in the aerospace, energy, and manufacturing sectors to make certain your products are compliant and fit for purpose. As a DDA system does not involve a technician removing the IP (or film to be processed), it permits automation by specimen manipulation between the source and the detector.

The left column is for debit (Dr) entries, while the right column is for credit (Cr) entries. The debit side of the T-account shows all the transactions that increase the account balance, while the credit side shows all the transactions that decrease it. All accounts must first be classified as one of the five types of accounts (accounting elements) ( asset, liability, equity, income and expense). To determine how to classify an account into one of the five elements, the definitions of the five account types must be fully understood. Liabilities, conversely, would include items that are obligations of the company (i.e. loans, accounts payable, mortgages, debts).

  1. Cesium Iodide (CsI) DR panels are two to three times more efficient than CR with a DQE of 70%.
  2. The company records that same amount again as a credit, or CR, in the revenue section.
  3. Liabilities increase on the credit side and decrease on the debit side.
  4. This becomes easier to understand as you become familiar with the normal balance of an account.
  5. From the bank’s point of view, when a debit card is used to pay a merchant, the payment causes a decrease in the amount of money the bank owes to the cardholder.

The chart of accounts is the table of contents of the general ledger. Totaling of all debits and credits in the general ledger at the end of a financial period is known as trial balance. Note that if you overpay your credit card, you have the option to obtain a refund from the credit card company or leave the money in the account as a credit balance. If you leave the money in the account, you can typically spend down the credit balance with charges. However, if you leave the credit balance idle for a few months (i.e. make no charges), the creditor may issue a refund automatically.

A rigid or flexible cassette houses the imaging plate (IP), which facilitates their use in many applications. Overpayment – Sometimes a person might overpay the total amount due for a credit card payment. For example, let’s assume your credit card statement indicates that you owe $2,000 in total, but you mistakenly pay $2,500. This $500 would be a credit and you would now have a credit balance of $500. There are a few theories on the origin of the abbreviations used for debit (DR) and credit (CR) in accounting. To explain these theories, here is a brief introduction to the use of debits and credits, and how the technique of double-entry accounting came to be.

Overall image quality is enhanced and more efficient with DR systems in comparison to CR systems; DDA exposures are typically seconds in duration, which drastically reduces inspection times. Compared to CR and especially film, DR generally requires a smaller dose of radiation and thus less exposure time to attain comparable image quality. DR also has a very high dynamic range with bit-depths typically ranging from 8 to 16-bit. Images what is cr dr can also be manipulated and enhanced using grey-scale transforms and filters. In theory, FPDs can be used many thousands of times over many years and because there is no need for scanning or chemical processing, it offers a very efficient and cost-effective solution. However, if you later returned the lawnmower and Sears agreed to give you back the $300 you charged, your credit card statement would reflect a credit of $300.

Benefits of digital systems

A debit records financial information on the left side of each account. A credit records financial information on the right side of an account. One side of each account will increase and the other side will decrease.

Aspects of transactions

Equity accounts record the claims of the owners of the business/entity to the assets of that business/entity.[28]Capital, retained earnings, drawings, common stock, accumulated funds, etc. The Equity section of the balance sheet typically shows the value of any outstanding shares that have been issued by the company as well as its earnings. All Income and expense accounts are summarized in the Equity Section in one line on the balance sheet called Retained Earnings. This account, in general, reflects the cumulative profit (retained earnings) or loss (retained deficit) of the company. The line scan is a new method of developing the CR image, which relies on an array of laser diodes and CCDs that move across the PSP imaging plate stimulating and reading the image in a rapid fashion. These arrays can be made small enough to fit inside a cassette or in an integrated CR system.

When it comes to the DR and CR abbreviations for debit and credit, a few theories exist. One theory asserts that the DR and CR come from the Latin present active infinitives of debitum and creditum, which are debere and credere, respectively. Another theory is that DR stands for “debit record” and CR stands for “credit record.” Finally, some believe the DR notation is short for “debtor” and CR is short for “creditor.”


We’re seeking an experienced chief revenue officer (CRO) to join us in this mission, with a focus on strategic planning, product development, marketing, branding, and partnerships. Together with other members of the executive team, the CRO will execute on the corporate strategic plan — focusing on the expansion of customer segments and business partnerships — and ultimately strengthen operations. The CRO will also be instrumental in creating a strategic plan for boosting revenue streams.

The CR reader may be in a different location than the imaging room and the cassette would have to be transported to be read. This all increases the processing time and adds to the overall time it takes from shooting the image and being able to read it. In most cases, you want to make sure the image quality is acceptable before you end the patient’s appointment in case additional images need to be taken, thus the patient must wait longer with CR. Using CR also adds additional throughput time for staff as they navigate these additional steps in the process. As an industry, digital x-ray technology is advancing and has shifted more towards the continued development and improvement of DR technology vs CR systems.

Even though CT scanning has been a mainstay of medical imaging for over 40 years, it is still a relatively new application in industrial non-destructive testing. As mentioned before, there are much fewer steps in the process to take images with a DR panel vs using a CR system. With a DR panel, in many cases you never have to move it (unless you have a wireless panel that maybe you move between a wall stand and a table). It’s ready to go immediately and the image is sent directly to the image acquisition software that is usually right there in the x-ray room with the patient. The entire process from the x-ray being shot to the image showing up on the screen is a matter of seconds. From here the clinician can use the image acquisition software to enhance or manipulate the image as desired.

Patient Image – Flat Panel Dr System 17 X 17 Csi Tethered

Only recently have the terms “integrated” or “cassetteless” been introduced to distinguish this type of system from cassette-based CR. Perhaps the most important aspect of integration is the possibility that the receptor system may share information about how the radiographic projection was generated. For example, if you bought a lawnmower at Sears for $300 using your credit card, the charge would show up on your statement as a $300 debit. Your balance owed to the credit card company would increase by $300 because of this charge. Computed Radiology (CR) is the digital replacement of X-ray film radiography.

5 Reasons To Get a Tech Sales Job

When asked about the timeline for production of Tesla’s humanoid robot, called Optimus, executives declined to give any specific guidance. This website is using a security service to protect itself from online attacks. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. By doing so, you free up more time to research each company, tailor your resume, and prepare for interviews. While you might be tempted to blindly apply to tech companies and see who bites, there are more effective approaches.

  1. Send a video message or audio recording to the hiring manager to stand out.
  2. Many tech sales professionals will set their own daily schedules, and if they hit their targets and sales quotas – companies are more than happy to allow them to do so.
  3. Some senior tech sales positions include sales manager or sales director.
  4. Now I am getting nothing and my outbound effort has lead to nothing.

Some senior tech sales positions include sales manager or sales director. Outside of training, they are also responsible for setting quotas based on sales data as well as establishing product pricing and sales budgets. Sales directors work closely with sales managers to create and execute strategies for the sales team.

Then, rework your resume to highlight these experiences, and prepare to call out a few examples in the interview. I was hoping someone can help me out with a sales salary question, as I am trying to figure out what salary that I would be happy with. No matter how well a candidate communicates their skills, they still have to overcome the experience barrier. He knew he’d have to outsell his competition for the role, and that’s what he did. 6 months ago my LinkedIn was blowing up daily with recruiters and companies wanting to interview me.

What Is Suggestive Selling? (Definition and Techniques)

Tech sales offers a competitive starting salary and the opportunity to learn about the business world while advancing professionally. Lead enrichment tools provide a company with helpful information about businesses and other sales leads with no need for manual research. Often, this information provides the company with details about a business’s demographic information, social media accounts, revenue and more.

What Is Tech Sales?

Then there’s the account managers and customer success managers who assist existing customers and attempt to upsell them on additional products and services. As the industry has boomed, so too has the number of tech sales jobs. If you’re looking to get into tech or IT sales, one of the most powerful ways to get started is to become familiar with a simple CRM like Zendesk Sell—an essential tool used by sales teams. As a tech sales rep, you might be selling only one kind of tech product, such as a cloud CRM platform. Or, you might sell a product that combines different components, like a wearable tech device with embedded software. Tech sales is the process of selling technology as software, hardware, or an IT service.

Then, try to find individuals with the tech sales position you’re looking for and ask about their day-to-day. This is a good way to learn about tech sales processes and strategies from the source, and you’ll also be able to build relationships with people from different tech companies. The next technological breakthrough is always right around the corner. As a tech sales representative, you’d be one of the first people to learn about modern software and hardware trends. You’ll also get an in-depth look at the important features of new technology, which can give you technical experience with the product. One of the rapidly growing areas of technology is sales and it’s a great chance for recent grads to get their foot in the door while learning all about the industry.

This stood as one of Gebrewold’s biggest challenges when he applied to Klue. The company was only looking for five-year tech sales veterans to fill its open account executive roles. He knew if he wanted one of those roles, he’d need to plant a hunch — a tiny voice in the back of the manager’s mind that doubted that requirement because of his skills. Below we cover everything you need to know about tech sales jobs, including what tech sales is, the pros and cons of the job and how to break into the industry. Both involve working with clients to find any challenges they might be facing and designing a set of hardware and software that can solve these issues.

There’s always new technology to sell

Even if you have some sales experience, certifications can strengthen key skills such as negotiation or prospecting. Sales certifications help to beef up your resume and position yourself as a more qualified candidate. Plus, there are certifications for professionals of all experience levels, including entry-level and more advanced investing vs speculation programs. Each of those steps helped Gebrewold stand out in the mind of the sales director and insulated him from being eliminated from the process because of a lack of experience. From there, he sent the sales director a report he thought would be relevant to him and a video message that hinted at Gebrewold’s background.

I got into the industry pretty much through lurking/messaging people on reddit and would love to “pay it forward” so to speak. They had plummeted after the rules were first proposed in December, wiping nearly $80bn (£63bn) off the value of the two companies. Share prices of Chinese gaming firms – including the world’s biggest gaming company Tencent Holdings and its rival NetEase – jumped after the apparent U-turn.

The energy division, which is much smaller than Tesla’s core business, was a bright spot, with revenue rising 54% to $6.04 billion. The unit sells solar energy generation and energy storage systems. Tesla’s “Services and Other” revenue rose 37% from a year earlier to $8.32 billion. Musk described Optimus as, “something that I think has the potential to far exceed the value of everything else combined” for Tesla. He claimed that Tesla’s technology developed in its automotive unit translates well to the humanoid robot “because the car is just a robot on four wheels.”

Some companies are leaving the state or reducing their presence there after California greatly reduced incentives for homeowners to install rooftop solar panels. During the pandemic, the OCED found that 37% of households had one job-related disruption because of losing a job. Get a first-hand look into the fast-paced, exciting career of SaaS sales.

Keep building your network, engaging with your connections, and finding groups to join. Yes, networking takes time, but your efforts can open new doors that were otherwise outside of reach. Forging a new career path is daunting, but having the right contacts can make all the difference. If you want to work in tech, you have to appear like an industry vet. This means immersing yourself in the tech industry and the specific sector you want to pursue.

When a rep shared something he wanted to learn more about, he’d reach out asking if they’d be open to meeting with him on Zoom to discuss. Gebrewold’s persistence paid off, but his experience also underscores how there isn’t one clearly defined way to break into tech sales. Clear communication paired with the ability to tell the story of a product ensures that clients understand the value behind a product. Active listening is important because salespeople need to address client needs and understand them.

As a sales technologist, you’d be working with organizations that offer their services through multiple forms of technology. For example, a company that sells computer software might offer organizational tools or cloud CRM software to keep their client info in order. We also have expert careers advisors ready to help you get the perfect tech sales job after graduation.

As noted above, it is the largest organization that serves members of the supply management and the purchasing industries. When business is good, purchasing managers have to buy more raw materials to fulfill orders. When business is bad, purchasing managers have to buy fewer raw materials to fulfill orders. When the ISM Manufacturing PMI number is below 50, it indicates the manufacturing sector is contracting, which means the economy is contracting and stocks will most likely decrease in value. No content on the Webull Financial LLC website shall be considered as a recommendation or solicitation for the purchase or sale of securities, options, or other investment products. All information and data on the website is for reference only and no historical data shall be considered as the basis for judging future trends.

  1. A Manufacturing PMI® above 42.5 percent, over a period of time, generally indicates an expansion of the overall economy.
  2. The PMI is a leading indicator, which means that it can signal future economic activity.
  3. The Institute for Supply Management is a not-for-profit organization with over 50,000 members across 100 countries.
  4. The PMI is a composite index that gives equal weighting to new orders, production, employment, supplier deliveries, and inventories, and each factor is seasonally adjusted.

Keep in mind that while diversification may help spread risk, it does not assure a profit or protect against loss in a down market. There is always the potential of losing money when you invest in securities or other financial products. Investors should consider their investment objectives and risks swissquote review carefully before investing. When the PMI is above 50, it indicates the economy (at least, the manufacturing section) is expanding—a growing economy can help create a bull market. When it drops below 50, it indicates that manufacturing business is contracting and may come with a danger of recession.

What is the ISM manufacturing index?

The ISM Services report contains the economic activity of more than 15 industries. The Purchasing Managers’ Index (PMI) is a barometer on the overall economy by showing the economic trends in both the manufacturing and service sectors. The ISM Report On Business provides guidance to supply management professionals, business leaders, economists, and government officials by monitoring the economic conditions of the nation. The PMI is considered to be a reliable indicator of economic activity, but it is not necessarily always accurate in predicting future economic conditions. It is one of several indicators that can be used to assess economic conditions, and should be considered in conjunction with other indicators for a more comprehensive understanding of the economy.

What does the ISM PMI indicate?

Advisory accounts and services are provided by Webull Advisors LLC (also known as “Webull Advisors”). Webull Advisors is an Investment Advisor registered with and regulated by the SEC under the Investment Advisors Act of 1940. Trades in your Webull Advisors account are executed by Webull Financial LLC, a member of the Securities Investor Protection Corporation (SIPC). That means your assets are protected up to $500,000 in value, including $250,000 in any cash awaiting reinvestment.

This index is not as closely followed as its counterpart—it’s not as volatile, usually making it more predictable. The value of shares and ETFs bought through a share dealing account can fall as well as rise, which could mean getting back less than you originally put in. Over 1.8 million professionals use CFI to learn accounting, financial analysis, modeling and more. Start with a free account to explore 20+ always-free courses and hundreds of finance templates and cheat sheets. Gold is likely to react stronger to a disappointing jobs report than an upbeat one. Gold price’s inverse-correlation with NFP surprise weakens slightly by the fourth hour after the release.

If demand is high, leading to lower inventory levels, it can be a leading economic indicator as to the health of consumer spending in the economy. Increased levels of consumer spending typically lead to higher economic growth. Imports†ISM®’s Imports Index registered 50.1 percent in January, an increase of 3.7 percentage points compared to December’s figure of 46.4 percent.

Components of the ISM Services Report

He currently researches and teaches economic sociology and the social studies of finance at the Hebrew University in Jerusalem. Buying PolicyThe average commitment lead time for Capital Expenditures in January was 172 days, a decrease of two days compared to December. Average lead time in January for Production Materials was 83 days, an increase of one day. Average lead time for Maintenance, Repair and Operating (MRO) Supplies was 43 days, a decrease of three days compared to December.

If the index rises, it could mean that the manufacturing sector is expanding, which is good news for manufacturers and their suppliers. Another way to use the ISM Manufacturing Index in backtesting is to evaluate the effectiveness of investment strategies based on economic indicators. Personnel who work in supply management and purchasing must also be adept at coordinating the logistics involved with preproduction, inventory management, budgeting, workforce management, and ensuring that the business runs smoothly. Options trading entails significant risk and is not appropriate for all investors. Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date. You need to complete an options trading application and get approval on eligible accounts.

The data should be compared to all other economic data sources when used in decision-making. “Two of the six biggest manufacturing industries (Transportation Equipment; and Chemical Products) registered growth in January. As far as we can see, our backtests show that the ISM manufacturing Index is not a particularly good contrarian indicator, despite positive (anecdotal) proof on social media. The main reason for the lack of contrarian movements is probably because ISM is a lagging indicator.

Introduced by the ISM in 1948, ISM Manufacturing Index, or PMI, is a useful resource for assessing the health of the US manufacturing sector. It is one of the key macroeconomic indicators financial market traders monitor on economic calendars because of the impact it can have on various financial markets. Unexpected results can move different markets, including stocks, indexes, and currencies. Typically, the ISM surveys more than 400 manufacturing companies when compiling its manufacturing index each month. In general, it asks questions about nine key areas of purchasing, production and employment, which relate to the economic health of the companies. Rather than looking for hard numbers, the ISM survey generally asks companies to evaluate changes in the areas of focus, such as if there were more or less employees working at the company as compared to the previous month.


The ISM selects companies that represent the industry and geographic distribution of U.S. manufacturers for its surveys. Institute for Supply Management is the oldest, and the largest, supply management association in the world. It’s the first piece of news on the economy every month and provides the earliest clues of how the economy has fared during the previous four weeks. The ISM Services PMI (formerly the Non-Manufacturing NMI) is compiled and issued by the Institute of Supply Management (ISM) and contains a diffusion index based on survey data. This report reflects the recently completed annual adjustments to the seasonal factors used to calculate the indexes.

The ISM manufacturing index is calculated based on a survey of purchasing managers at over 300 manufacturing firms in the US. The survey measures the change in production levels across the US economy, as well as the level of demand for products by measuring the amount of ordering activity at the nation’s factories. The survey is used to compile a composite index that gives equal weighting to new orders, production, employment, supplier deliveries, and inventories.

The opposite of a hawk is known as a dove, or an economic policy advisor who prefers monetary policies that involve low interest rates. Doves typically believe that lower rates will stimulate the economy, leading to an increase in employment. Whether being hawkish is a good or appropriate stance will depend on the strength of the economy and other macroeconomic factors.

  1. If the monetary policy stance moves more towards the right (hawkish) their currency could appreciate.
  2. This could happen for a variety of reasons, some of which you can read about in detail here.
  3. But if you want to keep things really simple, a hawkish stance can be a clue that interest rates may increase and thus, the value of the currency might increase too.

An example of a dovish economist is Janet Yellen, who was the Federal Reserve chairperson from 2014 to 2018 and currently serves as the Treasury Secretary. She has been described as a dove in the media because of the low interest rates maintained during her time as chair. She also was frequently quoted in speeches on maximizing employment over concerns about inflation. The term dove—and its opposite, hawk—applies to Federal Reserve Governors and other central bank policymakers. Dovish monetary policy is mostly concerned with maximizing employment. If an economist has a dovish view of monetary policy, they tend to advocate for policies that will lead to more people being employed.

QE is the purchasing of MBS and treasuries that increase the money supply in the economy to stimulate it. As readers of my prior posts in this forum know, I have been concerned about negatively yielding bond markets now for a few years (see here). As rates rise and normalcy returns, we will start to find that good old bonds become attractive again as investments and hedges. Adding to this are macroeconomic factors created by an expanding money and credit supply where the value of the dollar is going down because they are plentiful. This makes the input costs for products dependent on supply chains in another currency more expensive in dollars.

Other words from dovish

After all, one of the Fed’s mandates is to promote maximum employment. Here are the websites of the biggest central banks, to get you started. When it is easier (cheaper) to borrow money, businesses can expand more easily and consumers will usually spend more money by using credit cards or other types of debt, to finance purchases. In this post, I’ll give you the trader’s definition of both hawkish and dovish, and show you two easy mnemonics that you can use to remember them in the future. SmartAsset Advisors, LLC (“SmartAsset”), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. It is the Fed’s responsibility to balance economic growth and inflation, and it does this by manipulating interest rates.

Hawkish vs. Dovish Central Banks

You’ll find many a banker “on the fence”, exhibiting both hawkish and dovish tendencies. However, true colors tend to shine when extreme market conditions occur. It’s that individual’s role to be the voice of that central bank, conveying to the market which direction monetary policy is headed. And much like when Jeff Bezos or Warren Buffett steps to the microphone, everyone listens. Their use of the term “getting to neutral” means that they will likely become too aggressive even as the economy is slowing.

With that in mind, doves are generally not good for certain stocks because it lowers interest rates which make banks less profitable with lower interest rates or slows economic growth by increasing inflation. When central bank actions are dovish, this is a signal to investors that it’s safe to buy stocks because the risk of changes in monetary policy has been reduced. However, when the inflation rate began picking up at the beginning of 2022, the Fed made a stark shift to hawkish policy by raising interest rates at the steepest rate since the inflation crisis of the 1970s. It is not uncommon for economists to change their response to market conditions, and, in turn, have the media change their designation of someone. Most economists do not name themselves as either a dove or a hawk, but instead, experts, media, and colleagues tend to explain the actions of an individual as either hawkish or dovish.

How Does a Dovish Economist Differ From a Hawkish Economist?

Inflation that is high leads to prices rising faster than wages, which reduces demand for goods and can lead to a slowdown in economic growth. A dovish policy or policymaker will attempt to encourage rather than restrain economic growth. This is done by means of a looser monetary policy, one that tends to increase the money supply instead of restricting it.

Hawkish policies will likewise tend to reduce a company’s desire to borrow and invest, as the cost of loans and interest rates on bonds rise. Moreover, companies will be less eager to hire and retrain workers in such an environment. We introduce people to the world of trading currencies, both fiat and crypto, through our non-drowsy educational content and tools. We’re also a community of traders that support each other on our daily trading journey. Derived from the placid nature of the bird of the same name, the term is the opposite of “hawk.” A hawk is, conversely, someone who believes that higher interest rates will curb inflation. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only.

All information on this site is for informational purposes only and is not trading, investment, tax or health advice. The reader bears responsibility for his/her own investment research and decisions. Seek the advice of a qualified finance professional before making any investment and do your own research to understand all risks before investing or trading. TrueLiving Media LLC and Hugh Kimura trading education websites accept no liability whatsoever for any direct or consequential loss arising from any use of this information. Hawkish and dovish are terms that refer to the general sentiment of the central bank of any country, or anyone talking about a country’s monetary policy. In order to moderate the rise in prices and wages, this tendency will pursue higher interest rates and a tighter money supply.

Higher mortgage rates will also put a damper on the housing market and can cause housing prices to fall in turn. Higher rates on car loans can have a similar effect on the automobile market. Although the term “hawk” is often levied as an insult, high interest rates can carry economic advantages. While they make it less likely for people to borrow funds, they make it more likely that they will save money.

While both are deemed equally important to the Fed as a part of their dual mandate, the policies that support price stability differ from those that maximize employment. Some economists tend to focus more on one of the goals than the other. If an economist focuses more on maximizing employment, they are deemed a dove. It’s getting easier to foresee how a monetary policy will develop over time, due to increasing transparency by central banks.

Central bankers are described as “hawkish” when they are in support of the raising of interest rates to fight inflation, even to the detriment of economic growth and employment. We now know that interest rates are ultimately affected by a central bank’s view on the economy and price stability, which influence monetary policy. Though categorizing policymakers as doves and hawks is easy for comparisons, in reality, economic situations require a fluid movement of interest rates to help the economy. When there is high inflation or when the economy is overheated, interest rates need to be high, when the economy is sluggish or in a recession, interest rates need to be kept low.

What does hawkish mean?

When monetary policy is dovish, it means that policymakers favor looser, more accommodating policy, because they want to stimulate growth in the economy. The folks at the Federal Reserve accomplish this primarily by lowering interest rates. Trading involves risk and can result in the loss of your investment.