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                "<emph>Maturity</emph> is the date on which the security matures (expires)."
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                "<emph>Coupon</emph> is the annual coupon interest rate (nominal rate of interest)"
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                "<emph>Yield</emph> is the annual yield of the security."
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                "<emph>Frequency</emph> is the number of interest payments per year (1, 2 or 4)."
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                "A security is purchased on 2001-01-01; the maturity date is 2006-01-01. The Coupon rate of interest is 8%. The yield is 9.0%. Interest is paid half-yearly (frequency is 2). Using daily balance interest calculation (basis 3) how long is the duration?"
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                "<input>=DURATION(\"2001-01-01\";\"2006-01-01\";0.08;0.09;2;3)</input> returns 4.2 years."
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                "<bookmark_value>annual net interest rates</bookmark_value>         <bookmark_value>calculating; annual net interest rates</bookmark_value>         <bookmark_value>net annual interest rates</bookmark_value>         <bookmark_value>EFFECT function</bookmark_value>"
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                "<ahelp hid=\"HID_FUNC_EFFEKTIV\">Returns the net annual interest rate for a nominal interest rate.</ahelp>"
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                "Nominal interest refers to the amount of interest due at the end of a calculation period. Effective interest increases with the number of payments made. In other words, interest is often paid in installments (for example, monthly or quarterly) before the end of the calculation period."
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                "EFFECT(Nom; P)"
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                "If the annual nominal interest rate is 9.75% and four interest calculation periods are defined, what is the actual interest rate (effective rate)?"
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                "<item type=\"input\">=EFFECT(9.75%;4)</item> = 10.11% The annual effective rate is therefore 10.11%."
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