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Practically, the real interest rate is equal to:
Positive Self-image
An individual's perception of themselves in a favorable or uplifting manner, contributing to confidence and self-esteem.
Self-enhancement
A type of motivational process or psychological mechanism whereby individuals perceive or present themselves in a favorable light.
Uncontrollable Factors
Elements or circumstances that cannot be predicted, modified, or managed by individuals or organizations.
Controllable Factors
Elements or conditions that can be managed or influenced by individual actions or decisions in various contexts, often in pursuit of a desired outcome.
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