Use the table for the question(s) below.
Consider the following investment alternatives: 
-Which alternative offers you the highest effective rate of return?
Definitions:
Identity Moratorium
A phase in Erik Erickson's theory of psychosocial development where an individual is actively exploring and questioning various personal identities but has not yet committed to one.
Formal Operational Stage
The final stage of cognitive development (around age 12 onwards), according to Jean Piaget, marked by the ability to think abstractly and logically.
Cognitive Development
The process by which individuals acquire and evolve their cognitive abilities, understanding, and problem-solving skills throughout their lifespan.
Prefrontal Cortex
A region of the brain located in the frontal lobe which is responsible for executive functions, such as decision-making, planning, and inhibiting inappropriate behaviors.
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