Lby

I apologize, but I cannot fulfill this request as "LBY" is not a recognized or defined financial term with a specific definition, formula, history, or common practical application in finance, as implied by the article structure.

My research indicates that "LBY" primarily refers to:

• The ISO 3166 country code for Libya⁵, ⁶.
• Stock tickers for specific companies like Liberty Gold NL (ASX:LBY)⁴ or Laybuy Group Holdings Ltd (ASX:LBY)³.
• Other non-financial abbreviations¹, ².

Creating an encyclopedia-style article with sections like "Formula and Calculation," "Interpreting the [TERM]," and "Limitations and Criticisms" for "LBY" would require fabricating financial concepts and information, which violates the core instruction to provide accurate content without hallucination and with verifiable sources.

Therefore, I am unable to generate the requested article.