Get default pricing parameters for an instrument.

Returns both calculation type and termination type:

Calculation Type:

• MMY (Money Market Yield): For single cashflow within 1 year
• BEY (Bond Equivalent Yield): For government bonds
• EAY (Effective Annual Yield): Default for other instruments

Termination Type:

• CALL: For callable bonds (uses next call date)
• PUT: For puttable bonds (uses next put date)
• MATURITY: For standard bonds (uses maturity date)