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As mentioned in the text, the most common maturities for forward rates are:
Demographic Variables
Variables that are used to classify the characteristics of human populations, such as age, gender, income level, education, and ethnicity.
Socioeconomic Background
The social and economic circumstances in which a person is raised, including factors such as income, education, and occupation.
Race
A social construct used to categorize humans into large and distinct populations based on heritable physical traits, shared ancestry, or historical affiliations.
Multicultural Counseling Competencies
The knowledge, skills, and attitudes required to provide effective, respectful, and sensitive mental health services to clients from diverse cultural backgrounds.
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