However, in general: 1  An IOU is more informal and flexible than a promissory note. 2  In turn, a note is more informal and flexible than a loan agreement. 3  A loan agreement is commonly used for more complex payment arrangements and often includes a recourse for the lender in case the borrower defaults or is unable to pay.
Wholesome Sweeteners Fairtrade Organic Turbinado is a golden-coloured raw cane sugar with large sparkling crystals and a rich aroma. Organic Turbinado is the ultimate topping for cakes, cookies, muffins, crumbles, pies, and crÃ¨me brÃ»lÃ©e. It makes a wonderful start to the day when sprinkled on cereal and oatmeal or when blended into fruit smoothies and cappuccino.
Illustration of Upper Respiratory System. In anatomy, a nasal concha (or turbinate) is a long, narrow and curled bone shelf (shaped like an elongated sea-shell) that protrudes into the breathing passage of the nose. Turbinate bone refers to any of the scrolled spongy bones of the nasal passages in vertebrates.llustration of Upper Respiratory System. In anatomy, a nasal concha (or turbinate) is a long, narrow and curled bone shelf (shaped like an elongated sea-shell) that protrudes into the breathing passage of the nose. Turbinate bone refers to any of the scrolled spongy bones of the nasal passages in vertebrates.