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Some web apps offer free PDF editing and annotation tools. The Free Software Foundation was "developing a free, high-quality and fully functional set of libraries and programs that implement the PDF file format and associated technologies to the ISO 32000 standard", as one of its high priority projects.
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A certificate of deposit (CD) is a time deposit sold by banks, thrift institutions, and credit unions in the United States. CDs typically differ from savings accounts because the CD has a specific, fixed term before money can be withdrawn without penalty and generally higher interest rates. CDs require a minimum deposit and may offer higher ...