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According to the text, when does ethnic awareness begin to develop?
Collateral
An asset or property that a borrower offers to a lender as security for a loan, which can be forfeited in the event of a default.
Security Agreement
A legal contract that grants a lender a security interest in specified assets or property owned by the borrower as collateral for a loan.
Encryption
The process of converting information or data into a code to prevent unauthorized access.
Federal Regulation
Laws and rules established by the federal government to govern the conduct of individuals, businesses, and other entities.
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