an interest-bearing security issued by a bank or other financial intermediary that represents funds that must be kept on deposit for a specified period of time; if the funds are withdrawn prior to maturity, then the investor will incur a severe interest penalty.

Americans often speak of their country as one of several large regions.  these regions are cultural units rather than governmental units --  formed by history and geography and shaped by the economics, literature and folkways that all the parts of a region share. what makes one region different from another? a region's multicultural heritage as well as distinct demographic characteristics like age and occupation make regions different and special. within several regions, language is used differently and there are strong dialects. there are also differences in outlook and attitude based on geography.