One of the first topics discussed in Chapter 12 is Held-to-Maturity Securities. I'm not sure if you remember this, but between 2007 and 2009, there was a game show on Fox called "Are you Smarter than a 5th Grader?". If you had to explain the concept of investing in a held-to-maturity security to a 5th grader, how would you effectively explain it in a paragraph