<span>The main characteristic of certificates of deposit (CDs) is that they are an investment with a specified investment period, as determined by the financial institution at the time of purchase of the CD. This allows the financial institution a specific period of time to use the money for investment. Consequently, early withdrawal of a CD will cause a penalty. Financial institutions will usually set a pre-determined interest rate for the period of time in which the CD is active.</span>
Because the tree moves the water and food around through the cambium. If it cannot go through the cambium, they tree will have nothing to eat and slowly, die.
