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Of the following, which is the LEAST important in creating most desert landforms?
Consumer Debts
Debts incurred for personal, as opposed to business, needs.
Secured Debt
A type of debt that is backed by collateral, providing the lender with a claim to the asset if the debt is not repaid.
Mortgage
A loan specifically used to purchase real estate whereby the property itself serves as security for the loan.
Collateral
The property or assets that a borrower offers to a lender as security for a loan.
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