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The "Flynn effect" arises from the observation that the general intelligence in industrialized societies:
Bankruptcy Claims
Rights to payment recognized by a bankruptcy court from entities or individuals who have filed for bankruptcy protection.
Individual Debts
Financial obligations or amounts of money that are owed by a single person, as opposed to those owed by a group or company.
Chapter 13
A section of the U.S. Bankruptcy Code that allows individuals with a regular income to reorganize their debts, creating a plan to repay all or part over a period of time.
Societal Cultures
The shared values, norms, behaviors, and artifacts that characterize different groups or societies.
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