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Who normally pays the discount points when a conventional loan is taken out to purchase a residence?
Typology Of Deviance
A classification scheme that categorizes different forms of deviant behavior based on their perceived or actual social harm.
Robert Merton
An American sociologist known for developing theories that explain social processes and structures, notably the strain theory.
Innovation
The process of introducing new ideas, methods, or products to improve or replace existing ones, often leading to advancements in various fields.
Nineteenth Century
A period from 1801 to 1900, marked by significant global changes, including industrialization and the spread of imperialism.
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