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In general,any cash flow occurring at the beginning of the first time period must be placed outside the NPV function.
Stressors
Environmental stimuli that place demands on individuals.
Hindrance
Anything that restricts, obstructs, or interferes with progress or achievement; similar to barriers but often used in more specific contexts.
Challenge
A task or situation that requires a person to use some effort, skill, or ingenuity to achieve a goal or overcome an obstacle.
Rationalizing
The cognitive process of making something appear reasonable or acceptable, often as a way of justifying one’s behavior or decisions.
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