Buy Now, Pay Later (BNPL) is a short-term financing option that lets you split a purchase into smaller, equal installments, usually without interest if paid on time.

A mandatory minimum penalty is a baseline prison sentence or punishment that a judge must impose upon a defendant convicted of a specific crime - for instance, a drug-possession offense carrying a minimum 5-year prison sentence. The repeal of mandatory minimum penalties gives judges more discretion to take into account mitigating factors - for instance, a defendant's socio-economic status or upbringing.