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Which of the following are not contractual savings institutions?
Experienced
Having knowledge or skill in a particular area as a result of direct involvement or participation.
Roommate's Advice
Guidance or recommendations provided by one's cohabitant, often based on personal experience or wisdom.
Immunization Vaccines
Biological preparations that provide acquired immunity against various infectious diseases.
Stubborn Refusal
A persistent and unyielding refusal to change one’s viewpoint or decision despite reasonable arguments or evidence to the contrary.
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