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When firms allow employees to "opt out" regarding health care, employees
Multifactorial Approach
An approach that considers multiple factors or causes in the analysis of a phenomenon or in solving a problem.
Personal Factors
Individual attributes such as personality, beliefs, values, and physical characteristics that influence behavior.
Situational Factors
External influences that can affect an individual's behavior or performance in different contexts.
Cultural Heritage
The legacy of physical artifacts and intangible attributes of a group or society inherited from past generations, preserved for future generations.
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