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A due is an invoice amount that is not paid within the agreed terms of the contract between the contractor and the Abu Dhabi Government entity (or Abu Dhabi Government related entities).
A fine is a financial penalty imposed by any Abu Dhabi government agency as restitution for wrongdoing. The wrongdoing is defined by each legislation, regulation and decree valid in the emirate of Abu Dhabi.
A challenge is any issue or concern faced by the private sector in Abu Dhabi - The challenge is affecting the ability of businesses to operate efficiently in Abu Dhabi.