<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>
Families and society are both negatively impacted by increased financial stress due to tobacco use. Neither families nor society are negatively impacted by loss of productivity due to tobacco use.
