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yes it means to change
It means to change rapidly.
to have change means to make something seem different
CD Ladder Calculator Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder. With a CD Ladder, you can benefit from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term CD.
Yes, you can change patience into an adverb. The adverb is "patiently."