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(1) 英文中对贷款偿还的程度有几种描述，包括：
* on-time repayment
* in arrears
* in default
* bad loans
除了最好的(on-time repaymen-按期还款)和最坏的(bad loans-坏帐)之外， in arrears和
in default都表示有逾期欠款不还的情形，似乎defaullt的程度更为严重(？)。请
问，以上这四个词组的中文，特别是 in arrears和 in default，(用银行术语)是
什么？
(2) acquiring company vs. acquired company
用白话说，一个是收购他人的公司，另一个是被收购的公司。是否有更专业的说法？
查了一本台湾出的字典，前者被译为“受盘公司；买受公司”，后者被译为“出盘
公司；被买受公司”。国内也这么说吗？
另外，什么是“出盘”？是出钱的意思吗？要是的话，那 acquiring company才应
该是“出盘”，acquired company是“受盘”，对吗？
(3) 哪位帮忙把下面的句子(解释“什么是 agency”)翻译一下，我是怎么看也看不
懂。谢谢！
An account in which the title to the property constituting the agency does
not pass to the trust institution but remains in the owner of the property,
who is known as the principal, and in which the agent is charged with certain
duties with respect to the property.
(4) APR：年度百分率？EAR：实际年度率？另外，什么是headline interest rate？
APR: This rate shows you the full annual cost of your credit card, mortgage,
overdraft or personal loan. Unlike the Effective Annual Rate (EAR), it takes
into account all the extra charges you have to pay, such as the valuation
fee on a mortgage, as well as the headline interest rate lenders quote.