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Which of the following changes would increase the present value of a future payment?
Pessimistic Explanatory Style
A tendency to explain negative events as being inevitable, personal, and pervasive.
Depression
A mental health condition marked by continuous experiences of sorrow, despair, and a disinterest or lack of enjoyment in activities.
Alcoholism
A chronic disease characterized by uncontrolled drinking and preoccupation with alcohol, often leading to physical dependence and negative health, social, and behavioral effects.
Depression
a common and serious mood disorder causing persistent feelings of sadness, hopelessness, and loss of interest in activities.
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