474                                                    16

 ,     .   -
        .

     ,      -
, ..           -
.   -     ,    
   .    ,   
,   ,      ,
     ,       ,
     .

,  ,     90- -
 .       $98,25  $100 , .. 
  7,00% ($98,25 = $100 - (7,00  90/360)).  180- -
    $96,00, ..    8,00% (-
,  $96 = $100 - (8  180/360)),  ,  7%.    -
     3  ,      -
 ,    90- .

       90- ,   -
    ( ):

$100-$98,25   365
$98,25 ~90~'

.. 7,22%.    ,    180-  
    90 .     $98,25. (, 
      90- ,   -
         90 .) 
,     :

$98,25 - $96,00   365

$96,00       90

.. 9,50%. ,        .  -
  ,        -
 - ,    -  ,    
    180- ,    -
.

   ,     ,     
  ".        ,
       .  ,  
    - ,    ,    
      .     -
     .

    

   -        -
.          
 .    ,    
(asset allocation),        24.

         -
  ,    ,   
        .  