HARD COSTS is the purchase price of actual assets. For example, the purchase price of a new printing press would be the hard cost. The soft costs are additional fees for items like factoring-invoiced installation, prepaid and extended warranties, or service contracts for the new equipment.
CALL CENTER is the part of an organization that handles inbound/outbound communications with customers.
THRIFT ASSOCIATIONS is a general term often used for mutual savings banks, savings and loan associations and credit unions.
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