Information:  - A capital market is a financial market in which long-term debt or equity-backed securities are bought and sold. Capital markets are defined as markets in which money is provided for periods longer than a year. Capital markets channel the wealth of savers to those who can put it to long-term productive use, such as companies or governments making long-term investments.  Financial regulators, such as the Bank of England (BoE) or the U.S. Securities and Exchange Commission (SEC), oversee the capital markets in their jurisdictions to protect investors against fraud, among other duties.  - The Basel Accords (see alternative spellings below) refer to the banking supervision Accords (recommendations on banking regulations)Basel I, Basel II and Basel IIIissued by the Basel Committee on Banking Supervision (BCBS). They are called the Basel Accords as the BCBS maintains its secretariat at the Bank for International Settlements in Basel, Switzerland and the committee normally meets there. The Basel Accords is a set of recommendations for regulations in the banking industry.  - Acrylonitrile butadiene styrene (ABS) (chemical formula (CH)·(CH)·(CHN)) is a common thermoplastic polymer. Its glass transition temperature is approximately 105 °C (221 °F). ABS is amorphous and therefore has no true melting point.  - A bank card is typically a plastic card issued by a bank to its clients that performs one or more of a number of services that relate to giving the client access to funds , either from the client 's own bank account , or through a credit account . It can also be a Smart card . Physically , a bank card will usually have the name of the client printed on it , as well as a unique card number . It will have a magnetic strip on the back enabling various machines to read and access information . Depending on the issuing bank and the preferences of the client , this may allow the card to be used as an ATM card , enabling transactions at automatic teller machines ; or as debit card , linked to the client 's bank account and able to be used for making purchases at the point of sale ; or as a credit card attached to a revolving credit line supplied by the bank . The first bank cards were ATM cards issued by Barclays in London , in 1967 , and by Chemical Bank in Long Island , New York , in 1969 . In 1972 , Lloyds Bank issued the first bank card to feature an information - encoding magnetic strip , using a personal identification number ( PIN ) for security . Historically , bank cards have also served the purpose of a cheque guarantee card , a now almost defunct system to guarantee cheques at point of sale .  - A bank account is a financial account maintained by a financial institution for a customer. A bank account can be a deposit account, a credit card account, or any other type of account offered by a financial institution, and represents the funds that a customer has entrusted to the financial institution and from which the customer can make withdrawals. Alternatively, accounts may be loan accounts in which case the customer owes money to the financial institution.  - Polyethylene terephthalate (sometimes written poly(ethylene terephthalate)), commonly abbreviated PET, PETE, or the obsolete PETP or PET-P, is the most common thermoplastic polymer resin of the polyester family and is used in fibers for clothing, containers for liquids and foods, thermoforming for manufacturing, and in combination with glass fiber for engineering resins.  - Polyvinyl chloride, more correctly but unusually poly(vinyl chloride), commonly abbreviated PVC, is the world's third-most widely produced synthetic plastic polymer, after polyethylene and polypropylene.  - An integrated circuit or monolithic integrated circuit (also referred to as an IC, a chip, or a microchip) is a set of electronic circuits on one small flat piece (or "chip") of semiconductor material, normally silicon. The integration of large numbers of tiny transistors into a small chip resulted in circuits that are orders of magnitude smaller, cheaper, and faster than those constructed of discrete electronic components. The IC's mass production capability, reliability and building-block approach to circuit design ensured the rapid adoption of standardized ICs in place of designs using discrete transistors. ICs are now used in virtually all electronic equipment and have revolutionized the world of electronics. Computers, mobile phones, and other digital home appliances are now inextricable parts of the structure of modern societies, made possible by the small size and low cost of ICs.  - A smart card, chip card, or integrated circuit card (ICC) is any pocket-sized card that has embedded integrated circuits. Smart cards are made of plastic, generally polyvinyl chloride, but sometimes polyethylene terephthalate based polyesters, acrylonitrile butadiene styrene or polycarbonate. Since April 2009, a Japanese company has manufactured reusable financial smart cards made from paper.  - In finance and economics, a financial institution is an institution that provides financial services for its clients or members. One of the most important financial services provided by a financial institution is acting as a financial intermediary. Most financial institutions are regulated by the government.  - Polycarbonates (PC) are a group of thermoplastic polymers containing carbonate groups in their chemical structures. Polycarbonates used in engineering are strong, tough materials, and some grades are optically transparent. They are easily worked, molded, and thermoformed. Because of these properties, polycarbonates find many applications. Polycarbonates do not have a unique resin identification code (RIC) and are identified as "Other", 7 on the RIC list. Products made from polycarbonate can contain the precursor monomer bisphenol A (BPA). Polycarbonate is also known by a variety of trademarked names, including Lexan, Makrolon, Hammerglass and others.  - A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.  - Capital requirement (also known as regulatory capital or capital adequacy) is the amount of capital a bank or other financial institution has to hold as required by its financial regulator. This is usually expressed as a capital adequacy ratio of equity that must be held as a percentage of risk-weighted assets. These requirements are put into place to ensure that these institutions do not take on excess leverage and become insolvent. Capital requirements govern the ratio of equity to debt, recorded on the liabilities and equity side of a firm's balance sheet. They should not be confused with reserve requirements, which govern the assets side of a bank's balance sheetin particular, the proportion of its assets it must hold in cash or highly-liquid assets.  - A bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial stability of a country, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.    After reading the paragraphs above, we are interested in knowing the entity with which 'bank card' exhibits the relationship of 'instance of'. Find the answer from the choices below.  Choices: - account  - addition  - bank  - capability  - capital  - channel  - chemical  - chloride  - code  - committee  - company  - cost  - country  - credit  - electronics  - engineering  - england  - equipment  - exchange  - family  - fiber  - finance  - financial institution  - formula  - government  - group  - industry  - institution  - integrated circuit  - liquid  - list  - loan  - manufacturing  - material  - may  - money  - orders of magnitude  - payment card  - point  - polymer  - production  - promise  - public  - rapid  - semiconductor  - set  - temperature  - term  - variety  - year
Answer:
payment card