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Explain the origins of the spiritual, not religious perspective of the 12 Steps.
Evolution
A gradual process of change and development, often used in a biological context but also applicable to theories or systems gradually adapting over time.
Forecast
A prediction or estimate of future events, especially concerning weather or economic trends.
Single-Index Structure
A model used in finance to describe the returns of a portfolio or asset as a function of a single market index.
Firm-specific Variances
Variability in a company's stock price or financial performance that is attributable to internal factors unique to the company, rather than broader market influences.
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