Cost, insurance and freight, almost always abbreviated to c.i.f, is a term used in international trade. The c.i.f. price of a traded good is the price including the costs of getting it to its destination.
... (soft palate[?]) (k, kh, g, gh, n as in ing)
Palatal (hard palate[?]) (c, ch, j, jh, ~n)
Retroflex[?] (roughly the place of articulation of English ...