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In determining your credit capacity, you first provide for basic necessities, such as:
Collectivist Culture
A societal framework that prioritizes the group over individual interests, emphasizing community, collaboration, and family bonds.
Individualist Culture
A culture that emphasizes personal goals and the value of individual liberty, independence, and self-expression over group interests.
Clear Boundaries
Defined lines or limits that establish the distinction between different entities, responsibilities, or areas of life, contributing to healthy relationships and environments.
Independent Self-Construal
An individual's perception of themselves as distinct and separate from others, emphasizing personal goals and values over group ones.
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