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Which of the following would not be expected to change with time?
Subprime Mortgages
Loans given to borrowers with lower credit ratings, often at higher interest rates due to the increased risk of default.
Restrictive Covenants
Restrictive covenants are clauses in contracts that impose limitations or conditions on one party's actions, typically used in employment and real estate to protect business interests.
Subdivisions
The act of dividing land into plots or parcels for the purpose of sale, lease, or development.
Applicability
The relevance or suitability of a law, regulation, or principle in a specific context or situation.
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