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Of the following, which is NOT identified by the authors as a country-specific environmental variable key to determining debt ratios?
Heavy Workloads
Refers to situations where the amount of work and responsibilities assigned exceeds what is reasonably manageable within given time frames.
Techno-invasion
The pervasive increase of technology in personal and professional spaces, often raising concerns about privacy, dependency, and social change.
Firewall
A security system designed to prevent unauthorized access to or from a private network, often used to protect computer networks from internet threats.
Psychological Aggression
A form of abusive behavior that involves the infliction of psychological pain or distress, often through verbal abuse or manipulation.
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