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An approach to explaining criminality that emphasized bumps on the head was:
Significant Liability
Substantial financial obligations or debts that a company or individual has, which can impact financial health.
Credit Cards
Financial tools issued by banks allowing cardholders to borrow funds within a pre-approved limit for purchases or cash advances, typically requiring repayment with interest.
Mortgages
Loans secured by real property, typically used by individuals or businesses to purchase homes or real estate.
Bank Loans
Funds lent by a bank to a borrower at a specified interest rate for a fixed term.
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