Bureaucrats, Administrators, vuser
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[[year-end]]: relating to the end of a financial or fiscal (tax) year.
[[yield]]: a percentage of the amount invested that is the annual income from an investment
[[zero-balance account]]: a bank account that does not hold funds continuously, but has money automatically transferred into it from another account when claims arise against it
[[zero-fund]]: to assign no money to a business project without actually canceling it