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An insect population lives along the edge of a north-south mountain range.The populations from the east and west slope eventually join in a low northern pass and interbreed,producing fertile offspring; but they do not circle around the southern edge because of a desert barrier.When glaciers move southward,the populations are pushed south of the northern pass and are isolated.While isolated,the two populations develop enough differences over time that when the glaciers retreat north and the insects again share the same pass,they no longer mate at the same time,nor can they produce fertile offspring.These insects
Tax Expenditure
describes government losses in tax revenue due to deductions, exemptions, and credits allowed to taxpayers, which can be seen as a form of government spending through the tax code.
Home Mortgage
A loan given by a bank or lender to help finance the purchase of a home, secured by the property itself.
Periodic Adjustment
The regular alteration or correction of something, such as a financial rate, policy, or procedural framework, to ensure effectiveness or to respond to a changing environment.
Cost Of Living
The amount of money needed to sustain a certain level of living, including basic expenses such as housing, food, taxes, and healthcare.
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