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The present value of a future payment:
Pessimistic View
A tendency to see the worst aspect of things or believe that the worst will happen, often affecting one's mentality and actions.
Finding Their Identity
The process of exploring and deciding on one's own beliefs, values, and personal attributes, often considered a key phase in adolescent development.
Raymond Cattell
A psychologist known for his research into personality, factor analysis, and the development of several personality assessments.
Carl Rogers
An influential American psychologist who founded client-centered therapy and contributed significantly to humanistic psychology.
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