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Moment of torque BIN or Bank Identification Number is 6-digit variety of a credit or debit card which is used learn the bank, that has issued a particular card. The first 6 digits of the credit, debit, gift or prepaid card constitute the BIN from the card. The number facilitates or validates any transaction, which you are going to make with that particular card. The determination of this ratio mainly depends on the supply and demand relationship between the two sides and the competition. In general, the interest rate falls when the supply exceeds demand. Interest rates rise when demand exceeds supply. In addition, law, habit and so on also have a larger role. Marx's theory is of guiding significance to explain the question of interest rate decision under socialized production. 3. The role of securities investment Powerful and smart key logger software programs are safe, reliable and value effective application which quickly monitors all unauthorized/external users’ activities and generates report in encrypted log files that may be sent at pre defined email address or upload at html page using FTP server setting. Key logger software is suitable for different version of Windows systems including Windows XP, Windows Vista, Windows 2000, and Windows 7 etc for monitoring internet activity details performed on your own laptop.