An instrument is a concrete or abstract tool intended for a purpose other than mechanical work, in particular a refined one.
Musical instruments are devices designed to produce music, frequently by plucking or striking a string or bell or drum surface, or by forcing air to resonate (see wind instrument).
Scientific instruments are devices intended to assist in the conduct of science. An example would be the test tubes and other glassware one might find in a chemistry or biology laboratory.
Financial instruments are documents used to formally document various types of financial transactions. Examples include loan agreements , bonds, mortgages, stocks and floating charges .