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For a usury law to be effective, the interest rate must be
Stressors
External events or circumstances that may cause physical, emotional, or psychological strain or tension.
Stress
A physical, mental, or emotional strain or tension resulting from adverse or demanding circumstances.
Emotional Problems
Issues related to managing emotions or feelings that can impact a person's well-being and mental health.
Physical Illnesses
Medical conditions that affect the body's normal physiological processes, often leading to discomfort, dysfunction, or distress.
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