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The opportunity to engage in pooling shifts the _____ curve of insurance to the right;insurance companies will take on _____ risk and charge a _____ premium than without pooling.
James Marcia
A developmental psychologist known for his work on adolescent identity formation, notably the identity status theory.
Crisis
A critical situation or turning point marked by instability or danger, requiring urgent response.
Commitment
The state or quality of being dedicated to a cause, activity, or relationship, reflecting a sense of responsibility and loyalty.
Psychosocial Moratorium
A period during adolescence when individuals are allowed to explore various roles and identities without having to commit to any one identity.
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