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If there is a shortage of loanable funds, then
Incivility
Rude or unsociable speech or behavior that disrupts the harmony and respect among individuals in a workplace or social setting.
Challenge Stressor
A type of stress that arises from facing and overcoming obstacles or difficulties, often seen as an opportunity for growth.
Negative Affectivity
A personality trait that involves the experience of negative emotions and poor self-concept.
Cognitive-behavioral Interventions
Therapeutic approaches designed to change patterns of thinking or behavior that are causing people's problems or distress.
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