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Indirect financing involves the use of securities that represent specific contracts between the savers and borrowers themselves.
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Intelligence
The ability to acquire knowledge, think abstractly, reason, solve problems, and adapt to new situations.
Heritability
The proportion of observed variation in a particular trait that can be attributed to inherited genetic factors in a population.
Adoption Studies
Research methods that assess genetic and environmental influences on behavior by comparing adopted children to their biological and adoptive parents.
Giftedness
Exceptional natural ability or talent in one or more domains, including intellectual, creative, artistic, or leadership capacities.
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