74709
The " Z-spread " , " ZSPRD " , " zero-volatility spread " or " yield curve spread " of a mortgage-backed security ( MBS ) is the parallel shift or spread over the zero-coupon Treasury yield curve required for discounting a pre-determined cash flow schedule to arrive at its present market price .
 Treasury
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: location, person, organization 
Text: {0} 
Answer:
 Treasury