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CREDIT CONVERSION-FACTOR

  • Credit conversion factor
  • Measurement in credit rating

    The credit conversion factor (CCF) is a coefficient in the field of credit rating. It is the ratio between the additional amount of a loan used in the

    Credit conversion factor

    Credit_conversion_factor

  • CCF
  • Topics referred to by the same term

    Microsoft product Credit conversion factor converts the amount of a free credit line and other off-balance-sheet transactions to its credit exposure equivalent

    CCF

    CCF

  • Heating seasonal performance factor
  • Measure of the heating efficiency of air source heat pumps

    Considering the unit conversion above, its energy efficiency or energy multiplier is 1. Dividing the HPSF rating by the 3.41 conversion factor (or multiplying

    Heating seasonal performance factor

    Heating_seasonal_performance_factor

  • Capital adequacy ratio
  • Ratio of a bank's capital to its risk

    the face amount of each of the off-balance sheet items by the Credit Conversion Factor. This will then have to be again multiplied by the relevant weightage

    Capital adequacy ratio

    Capital_adequacy_ratio

  • Factoring (finance)
  • Financial transaction and a type of debtor finance

    receivables. Sometimes the factor's charges paid by the seller (the factor's "client") covers a discount fee, additional credit risk the factor must assume, and

    Factoring (finance)

    Factoring (finance)

    Factoring_(finance)

  • Basel III
  • Banking regulation framework

    derivative exposures and securities financing transactions (SFTs), and credit conversion factors for off-balance sheet items. Basel III introduced a minimum leverage

    Basel III

    Basel_III

  • Working capital
  • Difference between a firm's assets and liabilities used to fund day-to-day operations

    the appropriate credit policy, i.e. credit terms which will attract customers, such that any impact on cash flows and the cash conversion cycle will be

    Working capital

    Working_capital

  • Credit card
  • Card for financial transactions on credit

    card Debt-lag Dynamic currency conversion (DCC) Electronic money Fair Credit Reporting Act Identity theft Installment credit Payment card Purchasing card

    Credit card

    Credit card

    Credit_card

  • Credit risk
  • Risk that a borrower or counterparty fails to meet financial obligations

    Credit risk is the chance that a borrower does not repay a loan or fulfill a loan obligation. For lenders the risk includes late or lost interest and principal

    Credit risk

    Credit_risk

  • Reverse mortgage
  • Loan to homeowners without monthly payments

    seek credit advice from an accredited reverse mortgage specialist before applying for a reverse mortgage. Anyone who wants to engage in credit activities

    Reverse mortgage

    Reverse_mortgage

  • Convertible bond
  • Type of bond

    rates and credit spreads, and does not take into account popular convertible features such as issuer calls, investor puts, and conversion rate resets

    Convertible bond

    Convertible_bond

  • Credit card fraud
  • Financial crime

    Credit card fraud is an inclusive term for fraud committed using a payment card, such as a credit card or debit card. The purpose may be to obtain goods

    Credit card fraud

    Credit card fraud

    Credit_card_fraud

  • Credit rating agency
  • Company that assigns credit ratings

    A credit rating agency (CRA, also called a ratings service) is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by

    Credit rating agency

    Credit rating agency

    Credit_rating_agency

  • First Tech Federal Credit Union
  • Credit union in Oregon, US

    shortened to First Tech Credit Union. First Tech began offering mobile banking in 2000, account aggregation in 2001, and biometric two-factor authentication in

    First Tech Federal Credit Union

    First Tech Federal Credit Union

    First_Tech_Federal_Credit_Union

  • Annual percentage rate
  • Interest rate for a whole year

    direct reference for the one-year rate of interest is EAR. The general conversion factor for APR to EAR is E A R = ( 1 + A P R n ) n − 1 {\displaystyle \mathrm

    Annual percentage rate

    Annual percentage rate

    Annual_percentage_rate

  • Conversion (law)
  • Property tort

    Conversion is an intentional tort consisting of "taking with the intent of exercising over the chattel an ownership inconsistent with the real owner's

    Conversion (law)

    Conversion_(law)

  • Energy factor
  • factor is a metric used in the United States to compare the energy conversion efficiency of residential appliances and equipment. The energy factor is

    Energy factor

    Energy_factor

  • Bank
  • Financial institution that accepts deposits

    but, in many ways, functioned as a continuation of ideas and concepts of credit and lending that have their roots in the ancient world. In the history of

    Bank

    Bank

    Bank

  • Capacity credit
  • Capacity credit (CC, also capacity value or de-rating factor) is the fraction of the installed capacity of a power plant which can be relied upon at a

    Capacity credit

    Capacity_credit

  • Credit card interest
  • Interest charged to credit card users

    direct reference for the one-year rate of interest is EAR. The general conversion factor for APR to EAR is E A R = ( 1 + A P R n ) n − 1 {\displaystyle EAR=(1+{APR

    Credit card interest

    Credit card interest

    Credit_card_interest

  • David North (character)
  • Mutant comic book character

    later enhanced by the Weapon X program, granting him an additional healing factor and the ability to secrete a corrosive enzyme that negates other mutants'

    David North (character)

    David_North_(character)

  • Attribution (marketing)
  • Quantifying marketing influence

    all contributing factors that led to a desired outcome. Fractional Attribution includes equal weights, time decay, customer credit, and multi-touch/curve

    Attribution (marketing)

    Attribution_(marketing)

  • Exposure at default
  • Potential loss due to a failed bank loan

    will be drawn and outstanding at default (in case of a default) are Conversion Factor (CF) and Loan Equivalent (LEQ). Calculation of EAD is different under

    Exposure at default

    Exposure_at_default

  • Spark spread
  • Theoretical gross margin of a gas-fired power plant

    Dark Spread tables use a fuel efficiency factor of 35% for the coal conversion, and an energy conversion factor of 7.1 for converting tonnes/coal into MWh/electricity

    Spark spread

    Spark_spread

  • Roth IRA
  • Individual retirement account

    IRA-related provisions in the 2006 tax law. The losses stem from both Roth conversions and the ability to make nondeductible IRA contributions and then immediately

    Roth IRA

    Roth_IRA

  • Dimensional analysis
  • Analysis of the dimensions of different physical quantities

    physical quantity have conversion factors that relate them. For example, 1 in = 2.54 cm; in this case 2.54 cm/in is the conversion factor, which is itself dimensionless

    Dimensional analysis

    Dimensional_analysis

  • Purchasing card
  • Form of company charge card

    help in the conversion process (purchasing card supplier enablement) and other software companies provide technology to make the conversion efficient and

    Purchasing card

    Purchasing_card

  • Light effects on circadian rhythm
  • one can estimate a conversion ratio between photopic and melanopic units for this specific class of light source, achieving conversion. For example: Animals

    Light effects on circadian rhythm

    Light_effects_on_circadian_rhythm

  • Cash balance plan
  • Type of retirement plan

    accounts was crucial in the early adoption of such plans because it enabled conversion of traditional plans without declaring a plan termination. The employees'

    Cash balance plan

    Cash_balance_plan

  • Positional notation
  • Method for representing or encoding numbers

    systems. Accurate Base Conversion The Development of Hindu Arabic and Traditional Chinese Arithmetics Implementation of Base Conversion at cut-the-knot Learn

    Positional notation

    Positional notation

    Positional_notation

  • AMRO Bank
  • Former Dutch bank

    gaining market share in business lending, leasing and factoring as well as in medium to long term credit. To do this it established the Nationale Bank voor

    AMRO Bank

    AMRO Bank

    AMRO_Bank

  • Bank of Montreal v Marcotte
  • Ruling of the Supreme Court of Canada

    provinces. In Canada, holders of credit cards are allowed to use them to make purchases in foreign currency, and the conversion of the purchase price into Canadian

    Bank of Montreal v Marcotte

    Bank of Montreal v Marcotte

    Bank_of_Montreal_v_Marcotte

  • Christianization of Scandinavia
  • responsible directly to the pope, in 1104, 1154 and 1164, respectively. The conversion to Christianity of the Scandinavian people required more time, since it

    Christianization of Scandinavia

    Christianization of Scandinavia

    Christianization_of_Scandinavia

  • Plug-in electric vehicles in the United States
  • the full credit, the second quarter after that quarter plug-in vehicles are eligible for 50% of the credit for six months, then 25% of the credit for another

    Plug-in electric vehicles in the United States

    Plug-in electric vehicles in the United States

    Plug-in_electric_vehicles_in_the_United_States

  • Government incentives for plug-in electric vehicles
  • of the credit is $4,000. The credit does not apply to conversions made after December 31, 2011. Through 2010, there was a federal tax credit equal to

    Government incentives for plug-in electric vehicles

    Government incentives for plug-in electric vehicles

    Government_incentives_for_plug-in_electric_vehicles

  • Apple Pay
  • Mobile payment service by Apple

    Watch, iPad, Mac, and Vision Pro, Apple Pay digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale

    Apple Pay

    Apple Pay

    Apple_Pay

  • Internet
  • Global system of connected computer networks

    registries began to urge all resource managers to plan rapid adoption and conversion. By design, IPv6 is not directly interoperable with IPv4. Instead, it

    Internet

    Internet

    Internet

  • Annoyance factor
  • Aspect of advertising

    An annoyance factor (or nuisance or irritation factor), in advertising and brand management, is a variable used to measure consumers' perception level

    Annoyance factor

    Annoyance_factor

  • Mortgage
  • Loan secured using real estate

    The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan

    Mortgage

    Mortgage

    Mortgage

  • Sabbateans
  • Followers of Sabbatai Zevi

    forced conversion to Islam in the same year. Sabbatai Zevi's followers, both during his proclaimed messiahship and after his forced conversion to Islam

    Sabbateans

    Sabbateans

    Sabbateans

  • Miles per gallon gasoline equivalent
  • Measurement of fuel economy

    and SAE test procedures E E = {\displaystyle E_{E}=} energy unit conversion factor (rounded) = 3.412 Btu/Wh The formula employed by the EPA for calculating

    Miles per gallon gasoline equivalent

    Miles per gallon gasoline equivalent

    Miles_per_gallon_gasoline_equivalent

  • Solar power
  • Conversion of energy from sunlight into electricity

    Solar power, also known as solar electricity, is the conversion of energy from sunlight into electricity, either directly using photovoltaics (PV) or indirectly

    Solar power

    Solar power

    Solar_power

  • Rachel Factor
  • American singer (born 1968)

    where he could study in a baal teshuva yeshiva. After her Orthodox conversion, Factor chose to no longer perform in front of male audiences. She created

    Rachel Factor

    Rachel_Factor

  • Jade Thirlwall
  • English singer (born 1992)

    first to reach The X Factor final and the only girl band to win the show before it was discontinued. Thirlwall shares songwriting credits for more than 50

    Jade Thirlwall

    Jade Thirlwall

    Jade_Thirlwall

  • Electrical grid
  • Interconnected network for delivering electricity to consumers

    lines. Lightning arresters Capacitors for power factor correction Synchronous condensers for power factor correction and grid stability Distribution is

    Electrical grid

    Electrical grid

    Electrical_grid

  • Outline of finance
  • Overview of finance and finance-related topics

    Debt settlement – Settlement negotiated with a debtor's unsecured creditor Credit counseling – Process to help debtors Bankruptcy – Legal status for relief

    Outline of finance

    Outline_of_finance

  • British undergraduate degree classification
  • Academic grading structure in the United Kingdom

    The Durham conversion specifies GPAs for the US and letter grades/percentages for Canada while the UK NARIC has separate GPA conversions for the four-year

    British undergraduate degree classification

    British_undergraduate_degree_classification

  • Heating degree day
  • Sum of temperature values

    time, there are refinements to the simple calculation which allow some 'credit' for the period of the day when the air is warm enough for heating to be

    Heating degree day

    Heating degree day

    Heating_degree_day

  • Stephen Baldwin
  • American actor (born 1966)

    property valued at only $1.1 million, and more than $1 million in taxes and credit card debt. Baldwin was the first person to enter the Celebrity Big Brother

    Stephen Baldwin

    Stephen Baldwin

    Stephen_Baldwin

  • List of most expensive films
  • tax credit). Between June 2016 (the start of the accounting period for Assembled Productions III) and the end of 2019, the dollar-to-pound conversion rate

    List of most expensive films

    List of most expensive films

    List_of_most_expensive_films

  • PayPal
  • American multinational financial technology company

    providing the credit card or bank account number listed on their account. Thus, the PayPal implementation does not offer the security of true two-factor authentication

    PayPal

    PayPal

    PayPal

  • National qualifications frameworks in the United Kingdom
  • Kingdom are qualifications frameworks that define and link the levels and credit values of different qualifications. The current frameworks are: The Regulated

    National qualifications frameworks in the United Kingdom

    National_qualifications_frameworks_in_the_United_Kingdom

  • Wind power
  • Electrical power generation from wind

    increases eightfold when the wind speed doubles. Change of wind speed by a factor of 2.1544 increases the wind power by one order of magnitude (multiply by

    Wind power

    Wind power

    Wind_power

  • One-time password
  • Password that can only be used once

    associated with regular keyfob OTP tokens and embed them in a credit card form factor. However, the thinness of the cards, at 0.79mm to 0.84mm thick

    One-time password

    One-time password

    One-time_password

  • Payment system
  • System used to settle financial transactions through the transfer of monetary value

    monetary exchange using bank deposits. Some payment systems also include credit mechanisms, which are essentially a different aspect of payment. Payment

    Payment system

    Payment_system

  • Search engine optimization
  • Practice and strategies of increasing online visibility

    or services, thereby improving brand visibility, user engagement, and conversions. Webmasters and content providers began optimizing websites for search

    Search engine optimization

    Search_engine_optimization

  • Gall–Peters projection
  • Cylindrical equal-area map projection

    projection. For longitude given in radians, remove the ⁠π/180°⁠ factors. Stripping out unit conversion and uniform scaling, the formulae may be written: x = R

    Gall–Peters projection

    Gall–Peters projection

    Gall–Peters_projection

  • Binary number
  • Number expressed in the base-2 numeral system

    centuries by Thomas Harriot, and decades later by Gottfried Leibniz, who is credited for the invention. However, systems related to binary numbers have appeared

    Binary number

    Binary_number

  • Torr
  • Traditional unit of pressure

    National Physical Laboratory: Pressure units. BS 350: Part 1: 1974 – Conversion factors and tables. British Standards Institution. 1974. p. 49. Council directive

    Torr

    Torr

  • List of countries by tax revenue
  • effectively applied to actual foreign exchange transactions, an alternative conversion factor is used. Tax revenue refers to compulsory transfers to the central

    List of countries by tax revenue

    List of countries by tax revenue

    List_of_countries_by_tax_revenue

  • Economics
  • Social science studying goods and services

    distribution, consumption, savings, and investment expenditure interact; and the factors of production affecting them, such as: labour, capital, land, and enterprise

    Economics

    Economics

    Economics

  • African Americans in Illinois
  • Ethnic group

    of dollars of debt and often poverty as well. This was one of the major factors that produced the passage of the Fair Housing Act in 1968. Along with housing

    African Americans in Illinois

    African_Americans_in_Illinois

  • Assembly language
  • Low-level programming language family

    high-level languages for programming. Most observers credit that development with at least a factor of five in productivity, and with concomitant gains

    Assembly language

    Assembly language

    Assembly_language

  • Mobile payment
  • Payment services via a mobile device

    recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases. However

    Mobile payment

    Mobile payment

    Mobile_payment

  • Capital structure
  • Mix of funds used to start and sustain a business

    firm's financial position. Key considerations include maintaining the firm's credit rating at a level where it can attract new external funds on reasonable

    Capital structure

    Capital structure

    Capital_structure

  • List of Teen Wolf (2011 TV series) secondary characters
  • the Dread Doctors appear to trap them. Right then, the Dread Doctors' conversion process to fully revive Sebastien Valet completes. Mason is enveloped

    List of Teen Wolf (2011 TV series) secondary characters

    List_of_Teen_Wolf_(2011_TV_series)_secondary_characters

  • Chapter 7, Title 11, United States Code
  • Section of United States federal statute

    For example, secured creditors will have taken less risk, because the credit that they will have extended is usually backed by collateral, such as assets

    Chapter 7, Title 11, United States Code

    Chapter_7,_Title_11,_United_States_Code

  • Deadpool & Wolverine
  • 2024 Marvel Studios film

    Pauley, who is credited as "Dancepool". Reynolds also portrays the alternate universe "variant" Nicepool, who has no scars or healing factor, for which he

    Deadpool & Wolverine

    Deadpool_&_Wolverine

  • Dissociative identity disorder
  • Mental illness with multiple personality states

    increased rates of diagnosis are due to better recognition or to sociocultural factors such as mass media portrayals. The typical presenting symptoms in different

    Dissociative identity disorder

    Dissociative_identity_disorder

  • Real estate
  • Land, including its buildings and resources

    developments. Real estate in itself has been measured as a contributing factor to the rise in greenhouse gases. According to the International Energy Agency

    Real estate

    Real_estate

  • List of U.S. state and territory abbreviations
  • System Delivery Bar Code Sorter Flats Sequencing System Locatable Address Conversion System United States Postal Savings System Services Click-N-Ship Express

    List of U.S. state and territory abbreviations

    List_of_U.S._state_and_territory_abbreviations

  • Embezzlement
  • Theft of assets from one person or entity by another to whom the assets were entrusted

    differs from larceny in three ways. First, in embezzlement, an actual conversion must occur; second, the original taking must not be trespassory, and third

    Embezzlement

    Embezzlement

  • Structured finance
  • Sector of finance that manages leverage and risk

    off-balance-sheet accounting or the use of financial instruments to manage credit risk and facilitate capital flows. Securitization provides $15.6 trillion

    Structured finance

    Structured finance

    Structured_finance

  • Hysteria
  • Excess, ungovernable emotion

    medical categories such as epilepsy, histrionic personality disorder, conversion disorders, dissociative disorders, or other medical conditions. Furthermore

    Hysteria

    Hysteria

    Hysteria

  • Arcade video game
  • Coin-operated entertainment machine genre

    prior). The arcade market had recovered by 1986, with the help of software-conversion kits, the arrival of popular beat 'em up games (such as Kung-Fu Master

    Arcade video game

    Arcade video game

    Arcade_video_game

  • Aromanticism
  • Lack of or little romantic attraction to others

    categorizing relationships and feelings as romantic or platonic based on factors other than presence or lack of romantic attraction. Platoniromantic – not

    Aromanticism

    Aromanticism

    Aromanticism

  • Emissions trading
  • Market-based approach used to control pollution

    Emission Factors Asia-Pacific Emissions Trading Forum Emission standard Green certificate Green investment scheme Mobile emission reduction credit (MERC)

    Emissions trading

    Emissions trading

    Emissions_trading

  • Commercial law
  • Rules and guidelines of trade

    Intellectual property law Copyright law Patent law Trademark law Financial law Credit and securities laws Wage law, and minimum wage laws in particular Tax law

    Commercial law

    Commercial law

    Commercial_law

  • Price
  • Amount of money given in order to purchase a thing or service

    percentage rate of interest. The total amount of interest payable depends upon credit risk, the loan amount and the period of the loan. Other examples can be

    Price

    Price

    Price

  • Currency
  • Standardization of money

    intervention. Such conversions take place in the foreign exchange market. Based on the above restrictions or free and readily conversion features, currencies

    Currency

    Currency

  • Byron Donalds
  • American politician (born 1978)

    career in 2003 as a credit analyst at TIB Bank. He was promoted to senior credit analyst in 2004, and later promoted to commercial credit manager, assistant

    Byron Donalds

    Byron Donalds

    Byron_Donalds

  • Cost of goods sold
  • Carrying value of goods sold during a particular period

    (FIFO), or average cost. Costs include all costs of purchase, costs of conversion and other costs that are incurred in bringing the inventories to their

    Cost of goods sold

    Cost_of_goods_sold

  • Megyn Kelly
  • American political commentator and journalist (born 1970)

    at Jones Day Law Firm for nine years, where one of her clients was the credit bureau Experian. In 2003, Kelly moved to Washington, D.C., where she was

    Megyn Kelly

    Megyn Kelly

    Megyn_Kelly

  • Scharlette Holdman
  • American anti-death penalty activist (1946–2017)

    Gregg decision required courts to consider "compassionate or mitigating factors stemming from the diverse frailties of humankind," so Holdman decided to

    Scharlette Holdman

    Scharlette_Holdman

  • Unified Payments Interface
  • Indian instant payment system

    December 2023. Multi-factor authentication for UPI e-mandates will now be activated over ₹100,000, as opposed to ₹15,000, for credit card repayments, mutual

    Unified Payments Interface

    Unified Payments Interface

    Unified_Payments_Interface

  • Solar cell
  • Device used to produce electricity from light

    The difficulty, however, is that the conversion efficiency of existing phosphors exhibiting up- or down-conversion is low, and is typically narrow band

    Solar cell

    Solar cell

    Solar_cell

  • Peter Jones (missionary)
  • Mississauga Ojibwe Methodist minister and chief

    funding and support of the Credit Mission. There he lived and worked as a preacher and community leader, leading the conversion of Mississaugas to a European

    Peter Jones (missionary)

    Peter Jones (missionary)

    Peter_Jones_(missionary)

  • Thermodynamic temperature
  • Measure of temperature relative to absolute zero

    Adiabatic process Boltzmann constant Carnot heat engine Conversion of scales of temperature Energy conversion efficiency Enthalpy Enthalpy of fusion Enthalpy

    Thermodynamic temperature

    Thermodynamic temperature

    Thermodynamic_temperature

  • Corporate finance
  • Framework for corporate funding, capital structure, and investments

    the appropriate credit policy, i.e. credit terms which will attract customers, such that any impact on cash flows and the cash conversion cycle will be

    Corporate finance

    Corporate finance

    Corporate_finance

  • Foreign exchange market
  • Global decentralized trading of international currencies

    trading volume, it is by far the largest market in the world, followed by the credit market. The main participants are the larger international banks. Financial

    Foreign exchange market

    Foreign exchange market

    Foreign_exchange_market

  • List of The Weekly with Charlie Pickering episodes
  • Scott Morrison says he will never become involved in any debate about gay Conversion therapy, which has been discredited by psychiatrists across the world

    List of The Weekly with Charlie Pickering episodes

    List_of_The_Weekly_with_Charlie_Pickering_episodes

  • List of Latin phrases (full)
  • Century, 2017 ISBN 9780141969794. Katherine M. Grossman. Les Misérables: Conversion, Revolution, Redemption, 1996, p. 123, ISBN 9780805778328. Katherine M

    List of Latin phrases (full)

    List_of_Latin_phrases_(full)

  • Trans-exclusionary radical feminism
  • Movement originating within radical feminism

    Stock has argued that definitions of conversion therapy and bans against it should not include gender identity conversion therapy on the basis that it risks

    Trans-exclusionary radical feminism

    Trans-exclusionary_radical_feminism

  • Mark Carney
  • Prime Minister of Canada since 2025

    Retrieved February 14, 2025. Leake, Jonathan (June 14, 2025). "Mark Carney's conversion from eco warrior to oil and gas champion". The Telegraph. Archived from

    Mark Carney

    Mark Carney

    Mark_Carney

  • Celtic Christianity
  • Christianity in the Celtic language–speaking world during the early Middle Ages

    "Celticity" of the regions, but due to other historical and geographical factors. Additionally, the Christians of Ireland and Britain were not "anti-Roman";

    Celtic Christianity

    Celtic Christianity

    Celtic_Christianity

  • List of highest-grossing films
  • Ken Annakin and Robert Wise are each represented by one solo credit and one shared credit, and John Ford co-directed two films. Disney films are usually

    List of highest-grossing films

    List of highest-grossing films

    List_of_highest-grossing_films

  • Risk management
  • Identification, evaluation and control of risks

    development, production, or sustaining of life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters, deliberate attack from an

    Risk management

    Risk management

    Risk_management

  • Uri Regev
  • Israeli rabbi

    Conservative conversion performed abroad. The long legal battle for the recognition of Reform conversion and the political struggle against the Conversion Law

    Uri Regev

    Uri Regev

    Uri_Regev

  • Mikoyan-Gurevich MiG-25
  • Family of interceptor and reconnaissance aircraft

    fuselage. Only single prototype built. NATO codename Foxbat-B. MiG-25RR Conversion of eight reconnaissance aircraft for high-altitude radiation sampling

    Mikoyan-Gurevich MiG-25

    Mikoyan-Gurevich MiG-25

    Mikoyan-Gurevich_MiG-25

  • Fluyt
  • Dutch type of sailing vessel

    of space and crew efficiency. Unlike its rivals, it was not built for conversion in wartime to a warship, so it was simpler and cheaper to build and carried

    Fluyt

    Fluyt

    Fluyt

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