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An essential characteristic of credit unions is that
Heredity
The passing on of traits from parents to their offspring, either through asexual reproduction or sexual reproduction.
Environment
Consists of all the external physical and biological factors that affect an individual or organism's growth and development.
Behaviour
A pattern of actions or reactions of an organism, usually in relation to its environment.
Emotional Intelligence
The capacity to be aware of, control, and express one's emotions, and to handle interpersonal relationships judiciously and empathetically.
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