Man it keeps recomending your questions XD its Human capital
        
                    
             
        
        
        
The spread between the interest rates on bonds with default risk and default-free bonds is called the risk premium. 
A default-free bond is a bond in which the bond issuer would not miss scheduled payments of either the coupon or principal. Bonds issued by the government are generally considered to be default-free. This is because the government can print money to make payments. 
A bond with a default risk is a bond in which the bond issuer can miss scheduled payments of either the coupon or the principal. Bonds issued by private individuals are generally considered to be bonds with default risk. 
Bondholders usually demand a compensation for holding bonds with a default risk. This compensation is known as risk premium. 
Risk premium = return on bonds with default risk - return on default- free bond. 
To learn more, please check: brainly.com/question/4304080?referrer=searchResults
 
        
             
        
        
        
Generally speaking, a
business message expressing negative news (reader will react negatively) should
be organized indirectly. The message should be delivered among other
information and should not stand out. This is only appropriate if it is
practical to deliver the message in this way (immediate action is not
required). A more positive message should be prominent in the communication and
expressed in a more direct way, since it is assumed that the reader will react
positively.