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Howard experienced brain damage, which left him without the capacity to feel emotions but with the ability to reason. According to the discussion in your textbook, people like Howard are likely to:
Novation
The substitution, by mutual agreement, of another party for one of the original parties to a contract.
Liability
The state of being legally responsible for something, particularly in terms of debts or legal obligations.
Certificate of Authority
An official document granting a company the right to do business in a jurisdiction beyond where it was originally incorporated.
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