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If there is a surplus in the market for loanable funds,the resulting change in the real interest rate
Genetic Makeup
The set of genes or genetic information that an individual inherits from their parents, which contributes to their physical and psychological traits.
Shared Environment
Aspects of the environment that individuals living together share, affecting their development and traits in a similar manner.
Environmental Factors
Elements outside the individual, such as social, cultural, and physical environments, that can influence one's behavior and development.
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