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_____ involves a financial intermediary between the borrower and the saver.
Raw Scores
The initial, unadjusted scores obtained directly from tests or assessments before any normalization or conversion.
Test-retest Reliability
A measure of the consistency and stability of test results over repeated administrations under similar conditions.
Normal Curve
A symmetric, bell-shaped graphical representation of a normal distribution in statistics, where most occurrences take place around the mean.
Standard Deviation
A statistic that measures the dispersion or variability of a dataset relative to its mean.
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