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The present value of a future payment increases if the:
Human Differences
Refers to the variety in human characteristics such as culture, physical features, beliefs, and personalities that distinguish individuals or groups from one another.
Community Covenant
An agreement among members of a community to adhere to certain principles or rules designed to maintain a desirable environment.
College Creed
A formal statement of beliefs, values, or principles set by a college or university community, guiding the institution's culture and actions.
Discrimination
Discrimination is the unjust or prejudicial treatment of different categories of people, especially on the grounds of race, age, or sex.
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