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A party who has primary liability is the creditor.
Self-Efficacy
Self-Efficacy is a person's belief in their ability to succeed in specific situations or accomplish a task, influencing their motivation and perseverance.
Confidence
The belief in one's abilities or qualities.
Defensive Self-Esteem
A form of self-esteem characterized by a defensive attitude towards threats or criticism, often leading to aggression or withdrawal.
Criticism
The act of expressing disapproval or finding faults in something or someone, often including an analysis of weaknesses.
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