Cultural diversity has affected society in many ways throughout history. In recent decades, increased communication and travel possibilities made the transfer of people, and by extension their culture, more widespread.
A maturity date is a date that is referred to as the financial payment are to be paid and a bond is an instrument of the indebtedness that is issued by the holder and common bonds includes the municipal and the corporate bonds and is the lump sum paid and the end of the bonds life.
The psychologist is likely using a psychological testing which aims to pursue an objective and standardized measure of a sample behavior. It could be seen in the example above as the psychologist made use of the personality test score to project of which client is likely to benefit more from a specific type of substance abuse treatment.