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List three factors that influence the severity of the damage from teratogens.
Self-Esteem
The perception that a person has of their own self-worth, value, and capabilities.
Independence
The state of being self-reliant and free from outside control, or the capacity to make decisions and act on one's own behalf.
Dependence
The state of relying on or needing someone or something for aid, support, or the like.
Retirement Planning
The process of determining retirement income goals, risk tolerance, and the actions and decisions necessary to achieve those goals.
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