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________ in the currency drain ratio and ________ in the desired reserve ratio ________ the money multiplier.
Environment Demands
The requirements or pressures put forth by one's surroundings, necessitating adaptation or response.
Maltreatment
Refers to improper or cruel treatment, often discussed in contexts such as child abuse, elder abuse, or animal cruelty.
Stranger Anxiety
A fear or distress that infants commonly exhibit around strangers, typically emerging around 6 months of age and peaking around the first year.
Separation Anxiety
A disorder characterized by excessive fear or anxiety about separation from home or attachment figures.
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