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Which of the following is not a valid theory that attempts to explain the shape of the term structure of interest rates?
Environmental Factors
Elements of the physical and social environment that can influence living organisms and human health.
Surface Trait
A personality characteristic that can easily be inferred from observable behavior.
Genetic Differences
Variations in the DNA sequences among individuals, which contribute to the uniqueness of each person's physical and behavioral attributes.
Traditional Notions
Conventional beliefs or concepts that are long established in a society or culture.
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