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All of the following are reasons suggested for why education reform has failed except .
Financial Risk
The potential for financial losses due to factors affecting an entire market or security, including market risk, credit risk, and liquidity risk.
Price Fluctuations
Variations in the prices of goods and services over time, which can be influenced by factors like supply and demand, inflation, and market sentiment.
Economic Fundamentals
The core factors that influence the health and direction of an economy, including inflation, unemployment, and gross domestic product (GDP).
Financial Engineering
The use of mathematical techniques to solve financial problems or create financial products.
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