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Briefly explain personal defenses against payment of commercial paper, and list at least four defenses.
Neuroticism
A personality trait characterized by a tendency to experience negative emotions such as anxiety, anger, or depression more frequently and intensely than others.
Openness to Experience
A personality trait typified by a willingness to try new things, creativity, curiosity, and an appreciation for art and beauty.
Big Five Traits
A psychological framework that characterizes human personality via five wide-ranging traits: openness, conscientiousness, extraversion, agreeableness, and neuroticism.
Factor Analysis
A statistical method used to identify underlying variables, or factors, that explain the pattern of correlations among multiple variables.
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