Examlex
The Flynn effect refers to the observation that average intelligence test scores in the United States and other Western industrialized nations have _____ over the past century.
Federal Bankruptcy Laws
Laws that govern bankruptcy proceedings in the United States, outlining the process for individuals and entities to discharge or reorganize their debts.
Debtor
An individual or entity that owes money to another party, oftentimes to a creditor or lender.
Consumer-debtor
An individual who owes money to another party, often as a result of purchasing goods or services on credit.
Household Use
Refers to items or services intended for consumption, service, or use within a domestic environment.
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