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Credit ratings help with the adverse selection problem inherent in lending
Total Utility
The total satisfaction received from consuming a particular amount of goods or services.
Technological Advance
The process of developing and applying new technologies and innovations, improving methods of production, efficiency, and creating new products or services.
Diffusion
The process through which innovations, cultural norms, ideas, technologies, or products spread within and across societies over time.
Invention
The creation or innovation of new ideas, processes, goods, or services that did not previously exist, contributing to technological or scientific advancement.
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