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The principle behind time value of money is based on the fact that:
Repentance
The feeling of remorse or regret for past wrongs and the commitment to change for the better.
Antisocial Personality Disorder
A mental condition in which a person consistently shows no regard for right and wrong and ignores the feelings and rights of others.
Lack of Conscience
A deficit in or absence of moral awareness or consideration for right and wrong.
Dissociative Disorder
A complex psychological condition that involves disruptions or breakdowns of memory, awareness, identity, or perception.
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