The repayment of principal from scheduled mortgage payments that exceed the interest due. The scheduled payment is the payment the borrower is obliged to make under the note. The scheduled payment less the interest equals amortization. The loan balance declines by the amount of the amortization, plus the amount of any extra payment. If such payment is less than the interest due, the balance rises, which is negative amortization. The Fully Amortizing Payment: The monthly mortgage payment that will pay off the loan at term is called the fully amortizing payment. On an FRM, the fully amortizing payment is calculated at the outset and does not change over the life of the loan.
Natural products. Natural products are small molecules produced naturally by any organism including primary and secondary metabolites. They include very small molecules, such as urea, and complex structures, such as Taxol.
Natural fibres are greatly elongated substances produced by plants and animals that can be spun into filaments, thread or rope. Woven, knitted, matted or bonded, they form fabrics that are essential to society. Like agriculture, textiles have been a fundamental part of human life since the dawn of civilization. Fragments of cotton articles dated from 5000 BC have been excavated in Mexico and Pakistan.