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In the phone book example with a composite index created on the columns (city, last_name, first_name), if we search by giving exact values for all the three fields, search time is minimal—but if we provide the values for city and first_name only, the search uses only the city field to retrieve all matched records.
Applying a cost-of-living escalation COLA clause to a stream of periodic payments protects the real value of those payments and effectively transfers the risk of inflation from the payee to the payor, who must pay more each year to reflect the increases in prices. Thus, inflation indexation is often applied to pension payments, rents and other ...