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A bank's actual reserves can be calculated by:
Stereotypes
Overgeneralized beliefs or expectations about the characteristics, behaviors, and roles of a particular group of people.
External Attributions
The process of attributing the cause of one's own or others' behaviors and outcomes to external factors.
Fundamental Attribution Error
The tendency for observers to over-emphasize dispositional factors and under-emphasize situational factors when explaining others' behaviors.
Personal Factors
Characteristics or attributes of an individual, including personality traits, beliefs, and life experiences, that influence behavior and reactions.
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