Wells guarantees on-time payment, helping Cindy avoid late fees.

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It's not cheap, but you're getting something far more versatile, whether you decide on a subscription or just a one-time payment.

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The financial structure of the agreement consists of a one-time payment payable by Apple and on-going royalties to be paid by Apple to Nokia for the term of the agreement.

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That means offering payment and promotion on merit, more temporary and part-time work, and better child care, maternity leave and job prospects for their female staff.

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However, there is a one-time funding fee of up to 2.4% that is reduced based on the size of your down payment.

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