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_________ is sharing responsibility for the risk with a third party.
Peers
Individuals who are of similar age, social status, or share similar interests, often contributing significantly to social and psychological development.
Culture
Shared beliefs, values, customs, behaviors, and artifacts that the members of society use to cope with their world and with one another, transmitted from generation to generation.
Mental Tests
Formal assessments designed to evaluate cognitive, emotional, and psychomotor functions and abilities.
Cattell
Refers to Raymond Cattell, a psychologist known for his research in personality, intelligence, and psychological assessment.
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