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Consider the following average annual returns: What is the excess return for the S&P 500?
Toughlove
is an approach to parenting that emphasizes stern guidance combined with strong, unconditional love to instill discipline and responsible behavior in children.
"Rock-bottom" Groups
Indicates groups of individuals at the lowest possible point or level, often referring to socio-economic status or psychological well-being.
Ex-drug Addicts
Individuals who have successfully ceased the use of addictive drugs and are in the process of recovery from addiction.
Alcoholics Anonymous
A self-help group dedicated to supporting individuals in achieving and maintaining sobriety from alcohol.
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