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What is the amount of net new borrowing for 2011?
Subtyping
Subtyping is a cognitive process where individuals adjust their stereotypes by creating subcategories for group members who do not fit the prevalent group stereotypes.
Stereotyping
The act of categorizing individuals into specific groups based on generalized beliefs, which may not accurately reflect reality.
Prejudice
Preconceived opinions or attitudes towards people or groups without factual basis or actual experience.
Discrimination
Discriminatory behavior toward various groups based on race, age, or gender, characterized by unfairness or bias.
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