-------------------------------------------------------    An IQ score of 140 is considered Genius, so 160 is definitely in  the genius range. 140 is the lowest score in the Genius IQ range.  The highest IQ measured under the current testing is 210.
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Guarantee Fee. A fee charged to holders of a mortgage-backed security by the issuer. The guarantee fee helps cover the issuer's expenses but its most important use is to lessen the issuer's risk of loss or default in case too many of the mortgages underlying the security themselves default.