Asset is something considered as useful and helps a person or organisation to be successful also can be describes as all the things that a person or company owns in most cases u need money to get an asset/ assets. while Liability refers to someone/something that causes a lot of problems or embarrassment or the sum of money which an org owes. therefore kwa uelewa wangu mdogo CD could be any - asset or liability inategemea zaidi wewe unamchukuliaje, faida na hasara unazo zipata kwake ndizo zitakazo kuwekea picha kama kwako ni asset or liability, think critically kabla hujaamua kuambatana na CD kama ni asset then go ahead na kama ni liability chapa lapa! ni mtazamo wangu tu