The figure above, item 3 refers to a(n) ___:
Definitions:
Consolidation
The process of combining assets, liabilities, and other financial items of two or more entities into one.
Clustering
The process of grouping a set of objects in such a way that objects in the same group are more similar to each other than to those in other groups.
Cultural Factors
Elements influenced by culture that affect individual behavior, beliefs, and social interactions within a society.
Personality
The combination of emotional, attitudinal, and behavioral response patterns of an individual that characterize them over time.
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