Given I<T, the accumulation factor A(I,T) is the accumulation value at the time T of one unit of money invested at time I. So for compound interest A(I,T)= (1+i)^(T-I).
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a proper factor is a factor.
a factor bug is a factor
A composite factor is a factor that is a composite number, as opposed to a prime factor which is a factor that is a prime number.
If it does not factor properly then you cannot factor it.
Factors are divisors. A factor times a factor will equal a product.