Given the data from the accompanying "chronic conditions" chart, and the illness and disability information from your text, it is quite possible for Alberta, an African-American 64 year old retired teacher, and her retired friends to have one or more chronic conditions without experiencing significant disability. For Alberta and her friends, like most adults, the crucial issue is not whether they have a chronic condition but _____________________. 
Definitions:
Outstanding Balance
the amount of money that is still owed or remains unpaid on a loan, credit card, or another financial obligation.
Combined Equivalent
A combined or total equivalent that incorporates various elements or aspects to express a singular value or concept.
Scheduled Payments
Regular, often monthly, payments agreed upon to repay a loan over a certain period of time.
Rate of Return
The net gain or loss of an investment over a specified period, expressed as a percentage of the investment's initial cost.
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