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Which one of the following refers to a customer's willingness to meet his or her credit obligations?
Influences
Factors or agents that have an effect on the development, behavior, or decisions of individuals or systems.
Environment
Every nongenetic influence, from prenatal nutrition to the people and things around us.
Learned Associations
Connections made in the mind between two experiences or ideas, which can influence thoughts, feelings, and behaviors.
Habitual Behaviors
actions that are regularly performed as part of one's routine, often without conscious thought due to repetition over time.
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