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Real rates of return will be positive as long as:
Suicides
The act of intentionally causing one's own death, often stemming from factors such as mental disorders, extreme stress, or trauma.
Long-Term Stressor
A persistent source of stress that continues over an extended period of time, impacting one's health and well-being.
Serious Illness
A health condition that carries a high risk of mortality and often requires prolonged care or significantly affects the quality of life.
Abusive Environment
A setting where individuals are subjected to behavior that causes psychological or physical harm.
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