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.
In anatomy, a nasal concha, plural conchae, also called a turbinate or turbinal, is a long, narrow, curled shelf of bone that protrudes into the breathing passage of the nose in humans and various animals. The conchae are shaped like an elongated seashell, which gave them their name. A turbinate bone is any of the scrolled spongy bones of the nasal passages in vertebrates. In humans, the turbinates divide the nasal airway into 4 groove-like air passages, and are responsible for forcing inhaled a