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The transtheoretical model (Prochaska, DiClemente, and Norcross, 1992) suggests five stages which we must go through in order to change behaviour successfully. The fourth stage is ______.
Effective Annual Rate
The interest rate on an investment or loan, which takes compounding into account and is expressed as an annual rate.
Credit Terms
The conditions, including repayment period and interest rates, under which credit is extended by a lender to a borrower.
Credit Extended
Credit extended refers to the amount of credit or loan a lender provides to a borrower, allowing them to purchase goods or services on credit.
Discount
A reduction in the price or value of a product, security, or bond below its nominal or face value, often to encourage sale or investment.
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