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CIVICS

American Civil Liberties Union

The American Civil Liberties Union (ACLU) is an organization founded in 1920, with the mission of defending and preserving the individual rights and liberties guaranteed to all people in the U.S. Constitution. The ACLU currently has more than 1.7 million members, 500 staff attorneys, thousands of volunteer attorneys, and several offices throughout the United States. 

amortization

Amortization has different meanings for loan payments and for taxes. In the context of loans, amortization refers to separating the payments for the loan principal and interest into periodic payments to where the loan is paid off at a specified time, thereby gradually reducing the debt through repayment both lender and borrower agree.

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