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If Alice makes a proper tender of the full payment of $1,000 due on Richard's note on the note's due date,but Richard improperly refuses to accept the money,any endorsers are discharged from liability.
Heredity
The inheritance of physical or mental qualities through genes from ancestors to descendants.
Flynn Effect
The observed rise over time in standardized intelligence test scores, theorized to be caused by various factors such as improved nutrition and education.
IQ Tests
Set exams designed to quantify cognitive skills and the intelligence of individuals.
Crystallized Intelligence
A form of intelligence that involves the ability to use knowledge, experience, and skills that have been learned over time.
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