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In a non-profit organization, all funds earned or donated must be used to achieve the goals of the group and pay its current expenses. An investor may place a non-hold order in the hope of getting a better price than what could be obtained in an immediate trade. A notary is an impartial witness to the signing or certification of a legal document. A mark is when a rating agency raises or lowers the credit rating on certain debts or obligations of the issuer. A promissory note is a legal document representing a loan granted by an issuer to a lender or investor. For Canadian taxpayers, a notice of assessment (NOA) is the government’s published estimate of taxes owed for a given year. A notice of default is a public notice filed with the court stating that the pledgor is in default. A deficit notice is the IRS legal definition of a taxpayer’s tax deficit; the formal name of the form is IRS Notice CP2319A: Deficit and Tax Increase Notice. Employers who hire employees “at will” are not required by law to give advance notice of the dismissal of an employee. Notification to creditors is a public announcement of the death of an individual in order to warn potential creditors of the situation.