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The debt to total assets ratio
Theory
A systematically organized set of concepts, explanations, and predictions about phenomena that seeks to clarify relationships or understand principles.
Observation
The active acquisition of information from a primary source using the senses or instruments that extend beyond natural sensory capabilities.
School Psychologists
Trained professionals who work within educational settings to address the psychological and behavioral needs of students.
Educational Psychologists
Specialists in the psychological study of teaching and learning, who apply theories of cognitive, moral, and social development to educational practices.
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