Visit a bank, a credit union, and a retail outlet that offer credit. Ask for a copy of the contract for a consumer installment loan or purchase. Compare the contracts for an explanation of the credit terms as well as the various contract clauses identified in this chapter. How do interest rates vary for secured and unsecured loans? Do they offer fixed- and adjustable-rate loans? What method(s) of interest calculation do they use? Prepare a report of your findings.