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The term annual percentage rate of charge (APR), [1] [2] corresponding sometimes to a nominal APR and sometimes to an effective APR (EAPR), [3] is the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, [4] etc. It is a finance charge expressed as an annual rate.
However, a vegan diet does require supplementation of vitamin B 12, [366] and vitamin B 12 deficiency occurs in up to 80% of vegans that do not supplement their diet. [369] Consuming no animal products increases the risk of deficiencies of vitamins B 12 and D , calcium , iron , omega-3 fatty acids , [ 370 ] and sometimes iodine . [ 371 ]
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