Focus on the pronunciation of front-load
English definition of “front-load”
verb [T] FINANCE
› to put or have more payments, charges, activities, etc. close to the beginning of a period: The training programme is front-loaded so that you begin to acquire knowledge and skills right at the start. In this type of agreement, the interest on the loan is front-loaded, and at first you will not be paying off much of the capital sum. front-loading noun [U] › The front-loading of management fees makes early repayment of a debt less attractive financially.