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debt          
    1    debt   debts  
    A debt is a sum of money that you owe someone.
        Three years later, he is still paying off his debts.
        Shrinking economies mean falling tax revenues and more government debt.
        ...reducing the country's $18 billion foreign debt.
    N-VAR  
    
        See also bad debt.
    2    debt  
    If you are in debt or get into debt, you owe money.  If you are out of debt or get out of debt, you succeed in paying all the money that you owe.
        Stress is a main reason for debt.
        He was already deeply in debt through gambling losses.
        How can I accumulate enough cash to get out of debt?
    PHR  
    
    3    debt   debts  
    You use debt in expressions such as I owe you a debt or I am in your debt when you are expressing gratitude for something that someone has done for you. (FORMAL)
        He was so good to me that I can never repay the debt I owe him.
        I owe a debt of thanks to Joyce Thompson, whose careful and able research was of great help.
        I know I shall feel for ever in her debt.
    N-COUNT: usu sing, oft in poss N  feelings  
    
(c) HarperCollins Publishers.

gratitude          
        gratitude  
    Gratitude is the state of feeling grateful.
        ...a sense of gratitude...
        I wish to express my gratitude to Kathy Davis for her immense practical help.
    N-UNCOUNT: oft N for/to n  
    
(c) HarperCollins Publishers.

grateful          
        grateful  
    If you are grateful for something that someone has given you or done for you, you have warm, friendly feelings towards them and wish to thank them.
        She was grateful to him for being so good to her.
        I should like to extend my grateful thanks to all the volunteers.
    ADJ-GRADED: usu v-link ADJ, usu ADJ to n, ADJ for n/-ing  
    
    ?gratefully  
        `That's kind of you, Sally,' Claire said gratefully.
    ADV-GRADED: ADV with v  
    
(c) HarperCollins Publishers.

credit          
    1    credit  
    If you are allowed credit, you are allowed to pay for goods or services several weeks or months after you have received them.
        The group can't get credit to buy farming machinery.
        You can ask a dealer for a discount whether you pay cash or buy on credit.
    N-UNCOUNT: oft on N  
    
    2    credit  
    If someone or their bank account is in credit, their bank account has money in it. (mainly BRIT)
        The idea that I could be charged when I'm in credit makes me very angry.
        I made sure the account stayed in credit.
        Interest is payable on credit balances.
    N-UNCOUNT: in N, N n  
    = in the black  
    3    credit   credits   crediting   credited  
    When a sum of money is credited to an account, the bank adds that sum of money to the total in the account.
        She noticed that only $80,000 had been credited to her account.
        Midland decided to change the way it credited payments to accounts.
        Interest is calculated daily and credited once a year, on 1 April.
    VB  
    * debit  
    4    credit   credits  
    A credit is a sum of money which is added to an account.
        The statement of total debits and credits is known as a balance.
    N-COUNT  
    * debit  
    5    credit   credits  
    A credit is an amount of money that is given to someone.
        Senator Bill Bradley outlined his own tax cut, giving families $350 in tax credits per child.
        Japan has provided about $2.5 billion in credits to Russia and about $50 million in direct aid.
    N-COUNT  
    = allowance  
    6    credit  
    If you get the credit for something good, people praise you because you are responsible for it, or are thought to be responsible for it.
        We don't mind who gets the credit so long as we don't get the blame.
        It would be wrong for us to take all the credit.
        Some of the credit for her relaxed manner must go to Andy.
    N-UNCOUNT: oft the N for n/-ing  
    * blame  
    7    credit   credits   crediting   credited  
    If people credit someone with an achievement or if it is credited to them, people say or believe that they were responsible for it.
        The staff are crediting him with having saved Hythe's life.
        The 74-year-old mayor is credited with helping make Los Angeles the financial capital of the West Coast.
        The screenplay for `Gabriel Over the White House' is credited to Carey Wilson.
    VB  
    
    8    credit   credits   crediting   credited  
    If you credit someone with a quality, you believe or say that they have it.
        I wonder why you can't credit him with the same generosity of spirit.
        They are crediting science with power it doesn't possess.
    VB  
    
    9    credit  
    If you say that someone is a credit to someone or something, you mean that their qualities or achievements will make people have a good opinion of the person or thing mentioned.
        He is one of the greatest British players of recent times and is a credit to his profession.
    N-SING: a N to n  
    = disgrace  
    10    credit   credits   credited  
    If you cannot credit something, you cannot believe that it is true.
        Roosevelt either did not learn of the scandal or refused to credit what he heard.
        It seems hard to credit that such things went on among senior Directors.
    VB: no cont, with brd-neg  
    = believe  
    11    credit   credits  
    The list of people who helped to make a film, a record, or a television programme is called the credits.
        The star Marlon Brando wants his name removed from the credits.
        ...a moviegoer who remains in his seat until the credits are over.
    N-COUNT: usu pl  
    
    12    credit   credits  
    A credit is a successfully completed part of a higher education course. At some universities and colleges you need a certain number of credits to be awarded a degree.
    N-COUNT  
    
    13    credit  
    If you say that something does someone credit, you mean that they should be praised or admired because of it.
        You're a nice girl, Lettie, and your kind heart does you credit.
    PHR: V inflects  
    
    14    credit  
    If you say `credit where credit's due', you are admitting that you ought to praise someone for something that they have done or for a good quality that they possess.
        His gift was an extremely kind gesture. Credit where credit's due.
    PHR  
    
    15    credit  
    To give someone credit for a good quality means to believe that they have it.
        Bratbakk had more ability than the media gave him credit for.
    PHR: V inflects, PHR n  
    
    16    credit  
    You say on the credit side in order to introduce one or more good things about a situation or person, usually when you have already mentioned the bad things about them.
        On the credit side, he's always been wonderful with his mother.
    PHR: PHR with cl  
    
    17    credit  
    If something is to someone's credit, they deserve praise for it.
        She had managed to pull herself together and, to her credit, continued to look upon life as a positive experience.
        Although the offences were horrific it was to her credit that she had owned up.
    PHR: PHR with cl, it v-link PHR that  
    
    18    credit  
    If you already have one or more achievements to your credit, you have achieved them.
        I have twenty novels, a score of successful plays, and countless magazine stories to my credit.
    PHR  
    
(c) HarperCollins Publishers.

investment          
    1    investment  
    Investment is the activity of investing money.
        He said the government must introduce tax incentives to encourage investment.
        One of the most important changes concerns the investment of pension contributions.
        ...investment bankers.
    N-UNCOUNT: usu with supp, oft N in n  
    
    2    investment   investments  
    An investment is an amount of money that you invest, or the thing that you invest it in.
        ...an investment of twenty-eight million pounds...
        You'll be able to earn an average rate of return of 8% on your investments.
        ...people's desire to buy a house as an investment...
        Total foreign investment in America still constitutes only about 5% of U.S. assets.
    N-VAR: usu with supp  
    
    3    investment   investments  
    If you describe something you buy as an investment, you mean that it will be useful, especially because it will help you to do a task more cheaply or efficiently.
        When selecting boots, fine, quality leather will be a wise investment.
        A small-screen portable TV can be a good investment.
    N-COUNT: usu sing, usu adj N  
    
    4    investment  
    Investment of time or effort is the spending of time or effort on something in order to make it a success.
        I worry about this big investment of time and money and effort not working.
    N-UNCOUNT: usu N of n  
    
(c) HarperCollins Publishers.

efficient          
        efficient  
    If something or someone is efficient, they are able to do tasks successfully, without wasting time or energy.
        With today's more efficient contraception women can plan their families and careers.
    ADJ-GRADED  
    
    ?efficiently  
        I work very efficiently and am decisive, and accurate in my judgement.
    ADV-GRADED  
    
(c) HarperCollins Publishers.

purchase          
    1    purchase   purchases   purchasing   purchased  
    When you purchase something, you buy it. (FORMAL)
        He purchased a ticket and went up on the top deck.
        Most of those shares were purchased from brokers.
    VB  
    = buy  
    ?purchaser   purchasers  
        The broker will get 5% if he finds a purchaser.
        The group is the second largest purchaser of fresh fruit in the US.
    N-COUNT  
    = buyer  
    2    purchase  
    The purchase of something is the act of buying it. (FORMAL)
        This week he is to visit China to discuss the purchase of military supplies.
    N-UNCOUNT: oft N of n  
    
        See also hire purchase.
    3    purchase   purchases  
    A purchase is something that you buy. (FORMAL)
        She opened the tie box and looked at her purchase. It was silk, with maroon stripes.
    N-COUNT  
    
    4    purchase  
    If you get a purchase on something, you manage to get a firm grip on it. (FORMAL)
        I got a purchase on the rope and pulled.
        I couldn't get any purchase with the screwdriver on the damn screws.
    N-UNCOUNT: also a N  
    = hold, grip  
(c) HarperCollins Publishers.

organized          
    1    organized  
    An organized activity or group involves a number of people doing something together in a structured way, rather than doing it by themselves.
        ...organised groups of art thieves.
        ...organised religion.
        ...years of steadfast, organized resistance.
    ADJ: ADJ n  (BRIT) also organised  
    
    2    organized  
    Someone who is organized plans their work and activities efficiently.
        These people are very efficient, very organized and excellent time managers.
    ADJ-GRADED  (BRIT) also organised  
    * disorganized  
(c) HarperCollins Publishers.

structure          
    1    structure   structures  
    The structure of something is the way in which it is made, built, or organized.
        The typical family structure of Freud's patients involved two parents and two children.
        The chemical structure of this particular molecule is very unusual.
    N-VAR: usu with supp, oft N of n  
    
    2    structure   structures  
    A structure is something that consists of parts connected together in an ordered way.
        The feet are highly specialised structures made up of 26 small delicate bones.
    N-COUNT: usu with supp  
    
    3    structure   structures  
    A structure is something that has been built.
        About half of those funds has gone to repair public roads, structures and bridges.
        The house was a handsome four-story brick structure.
    N-COUNT  
    = building  
    4    structure   structures   structuring   structured  
    If you structure something, you arrange it in a careful, organized pattern or system.
        By structuring the course this way, we're forced to produce something the companies think is valuable.
    VB  
    
    ?structured  
        We have introduced a more structured training programme.
    ADJ-GRADED  
    
(c) HarperCollins Publishers.

pattern          
    1    pattern   patterns  
    A pattern is the repeated or regular way in which something happens or is done.
        All three attacks followed the same pattern.
        A change in the pattern of his breathing became apparent.
    N-COUNT: oft the N of n  
    
    2    pattern   patterns  
    A pattern is an arrangement of lines or shapes, especially a design in which the same shape is repeated at regular intervals over a surface.
        ...a golden robe embroidered with red and purple thread stitched into a pattern of flames.
    N-COUNT  
    
    3    pattern   patterns  
    A pattern is a diagram or shape that you can use as a guide when you are making something such as a model or a piece of clothing.
        ...cutting out a pattern for trousers...
        Send for our free patterns to knit yourself.
        ...sewing patterns.
    N-COUNT  
    
(c) HarperCollins Publishers.