This is a piece of kid's software, not a turn-key banking system, so we can't assume knowledge of how interest is computed on the part of our domain experts.
这仅仅是为孩子们写的软件，不是关键的银行系统，所以我们不能采取我们部分专家关于如何计算利息的建议。
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In the current case, if I really was writing a turn-key banking system, I certainly wouldn't bother to define "effective interest" because that's something that I'd expect my domain expert to know.