<human>:  What is the difference between notes and bonds?
<bot>: The main difference between notes and bonds is that notes are shorter-term investments that are typically issued with terms of less than one year, while bonds are long-term investments that are typically issued with terms of one year or more. Notes may also have higher interest rates than bonds, but they also come with higher risks. Bonds, on the other hand, tend to have lower interest rates but are considered safer investments.