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.
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Updated September 01, 2016. Definition: Ritardando (or rit.) is an indication to gradually decrease the tempo of the music (opposite of accelerando). The length of a ritardando is extended by a dashed, horizontal line; and, if applicable, the previous tempo may be restored with the commands tempo primo or a tempo. The abbreviation rit. is sometimes used for ritenuto; ritenuto is often abbreviated to riten. to avoid confusion. Also Known As: en retardant; cÃ©dez; alongez (Fr)