I.O.U.

It said it had managed to reach an agreement with IOU, but not Unite.

Since I can’t afford to buy Dad that engraved picture frame until Mrs. Gilbert can afford to pay me, I decide to give him a handmade IOU.

In their place, investigators said that they found "'IOU' slips in empty boxes marked to indicate a customer's account, yet containing no assets."

When a government wants to borrow money, it issues a bond or an IOU.

Because these are retirement accounts, no one is harmed by the government equivalent of an IOU.