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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turbinate pneumatisation also known as concha bullosa refers to the existence of an air cell inside the turbinate while pneumatization of the middle and superior turbinates are common the presence of pneumatization of the inferior turbinate otherwise known as an inferior concha bullosa is very rare herewith a case is presented of bilateral hypertrophy of the inferior turbinates associated with a left inferior concha bullosa