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When the stated rate of interest exceeds the effective rate, the present value of the note receivable will be less than its face value.
REM Sleep
A sleep phase characterized by rapid eye movements, where dreaming occurs and brain activity is similar to wakefulness, important for processing emotions and memories.
Restorative Theory
A theory that suggests sleep is necessary for the body to repair and rejuvenate itself.
Circadian Theory
A concept pertaining to the biological processes that follow a roughly 24-hour cycle, affecting various physiological and psychological functions.
Alexander Borbely
A scientist known for his work on sleep research, particularly for developing the two-process model of sleep regulation.
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