Is e cùmhnant àrachais a th' ann am bliadhna-bhliadhna a théid a chuir a-mach agus a sgaoileadh le institiudan ionmhais agus a cheannaicheas daoine fa-leth. Tha bliadhna-bliadhna ag iarraidh air an neach-libhrigidh sruth teachd-a-steach stèidhichte no caochlaideach a phàigheadh don cheannaiche, a' tòiseachadh aig an aon àm no aig am air choreigin san àm ri teachd. Bidh daoine a' tasgadh ann, no a' ceannach, bliadhnaichean bliadhnail le bhith a' dèanamh prìomh phàighidhean mìosail no cnap-shuim. Bidh an stèidheachd seilbh a' toirt seachad sruth de phàighidhean airson ùine shònraichte no airson a' chòrr de bheatha an neach-bliadhna. Tha bliadhnaichean air an cleachdadh sa mhòr-chuid airson adhbharan teachd-a-steach cluaineis. Faodaidh iad daoine fa leth a chuideachadh gus dèiligeadh ris a' chunnart gun téid iad seachad air na sàbhalaidhean aca. Q) Minich Bliadhnachan

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