Missing a credit card payment can increase your credit card's APR.

APR means Annual Percentage Rate.

A Group of birds or a flock flying together in hundreds or even in thousands is called Murmuration.

Accounts-receivable financing is a type of asset-financing arrangement in which a company uses its receivables — outstanding invoices or money owed by customers — to receive financing.

when a business sells its AR (accounts receivable) to a factoring company and receives short-term business funding in return, this is what called as Accounts Receivable Financing.

How it works ::

Business-to-business sales are often offered with payment terms of 30, 60 or 90 days.

The buyer receives the product, but doesn't submit payment until the mutually agreed-upon date.

The seller records the sale as revenues and increases the accounts receivable by the amount of the sale.

When the payment arrives, the seller decreases the accounts receivable and increases cash.

Accounts receivable financing allows the seller to get the cash immediately by selling the receivable to a third party. This is called factoring.

Here in the given number puzzle, the given numbers follows a pattern that 

1 + 4 = 5 => 1 x 4 + 1 = 4 + 1 = 5 

2 + 5 = 12 => 2 x 5 + 2 = 10 + 2 = 12   

3 + 6 = 21 => 3 x 6 + 3 = 18 + 3 = 21 

Similarly, 

8 + 11 = 96 => 8 x 11 + 8 = 88 + 8 = 96  

Hence, the missing number in the given number puzzle is 96.

Let p be the speed of man in kmph

According to the given data in the question,

Distance travelled by bus in 10 min with 20 kmph == Distance travelled by man in 8 min with (20 + p) kmph in opposite direction

=> 20 x 10/60 = 8/60 (20 + p)

=> 200 = 160 + 8p

=> p = 40/8 = 5 kmph.

Genetic alteration probably refers to altering Genes found on chromosomes.

Genetic alteration refers to altering DNA sequence. Gene alteration forms genetically modified products that modifies the gene sequence.

Genetic engineering, also called genetic modification or genetic manipulation, is the direct manipulation of an organism's genes using biotechnology.

Combining drugs usually leads to more intense effects on our health.