... differently at different times, including such anomalies asthe January effect, month-of-the-year effect, day-of-the-week effect, and holiday effect.Call An option that gives the right to buy the ... of mortgage instruments such as adjustable-rate and variable-rate mortgages, graduated-payment mortgages, reverse-annuity mortgages, and several seldom-usedvariations.American Depositary Receipts ... shares. Theformal name for the back-end load is the contingent deferred sales charge, or CDSC.Back-to-back financing An intercompany loan channeled through a bank.Back-to-back loan A loan in which two...