Mortgage payments are b) higher on a 15-year fixed-rate mortgage than on a 30-year fixed-rate mortgage, and less interest is paid on a 15-year mortgage than on a 30-year mortgage, ceteris paribus.
This is because the loan is being paid off in half the time, so the payments are spread out over a shorter period. However, despite the higher payments, less interest will be paid on the 15-year mortgage compared to the 30-year mortgage. This is because the interest rate on a 15-year mortgage is typically lower than the interest rate on a 30-year mortgage, and the shorter term means that less interest will accrue over time.
Additionally, the borrower is paying off the principal faster, so there is less time for interest to accrue on the outstanding balance. It's important to note that these comparisons are based on ceteris paribus, or all other factors being equal, and individual circumstances may impact the terms of a mortgage.
Therefore, the correct answer is b. higher; less interest
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__________CAFTA, NAFTA, OECD, and OPEC are all examples of
a. political organizations.
b. peace treaties.
c. international economic communities.
d. World Trade Organization members.
e. democratic organizations.
The right answer is C. CAFTA, NAFTA, OECD, and OPEC are all examples of these economic financial communities.
What is the position of financial community?Community Economic Development's purpose is to revitalize communities, improve and rehabilitate inexpensive housing, promote sustainability, entice investments, build wealth, motivate entrepreneurship, and create jobs.
Currently, there are eight RECs recognized by the AU, every installed underneath a separate regional treaty. They are: Arab Maghreb Union (AMU)
Economic neighborhood refers to a group of international locations prepared to work toward frequent desires in the regulation of worldwide trade. One such community is the European Union (ELI).
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https://brainly.com/question/28210218#SPJ4If a small business wants to take the least risky strategy to enter its first foreign market, it would choose which of the following global entry strategies?
Exporting
Franchising
Joint venture
Strategic alliance
Direct investment
Exporting is the lowest-risk strategy; however, for a food service business it probably makes more sense to use franchising, another relatively low-risk global expansion strategy.
A foreign market entry plan must be created by businesses that intend to enter a new market after conducting a comprehensive investigation of any potential opportunities. Exporting products is a typical first step to entering a foreign market (which can lead to setting up a business presence there). Hiring a foreign sales agent—a local of the target foreign market who is aware of the local context—can be advantageous when expanding into a new country. Job losses at Goldman Sachs have a significant negative effect on investment banking and global markets: The lowest-risk method is exporting, but for a food service company, it probably makes more sense to adopt franchising, another moderately low-risk strategy for international development.
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How do you deal with exhaustion?
Generally, the order of cost, from the least expensive to the most expensive, for long-term capital of a corporation is
Long-term debt, preferred stock, retained earnings, and new common stock typically rank highest in cost for a company's long-term capital, starting with the least expensive.
Option D is correct.
Which source of capital is the cheapest?Retained earnings are the most cost-effective means of increasing a company's equity capital. This is the accounting term for profits that are kept in the business to fund operations and expansion rather than being distributed to shareholders or owners.
What purpose does long-term debt serve?A loan with a repayment term of more than one year is considered to be long-term debt. This is in contrast to debt with a shorter duration, such as short-term notes or credit lines. Equipment, vehicles, inventory, and real estate can all be purchased with longer loans. Working capital can be financed in this manner in some instances.
Long term debts :Non-current liabilities, also known as long-term liabilities, are obligations that are due after one year or the company's normal operating period. The amount of time it takes for a business to convert its inventory into cash is known as the normal operation period.
Question is incomplete,missing part is given below :
Generally, the order of cost, from the least expensive to the most expensive, for long-term capital of a corporation is ________.
A) new common stock, retained earnings, preferred stock, long-term debt
B) common stock, preferred stock, long-term debt, short-term debt
C) preferred stock, new common stocks, common stock, retained earnings
D) long-term debt, preferred stock, retained earnings, new common stock
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a factor that causes overhead costs is called a ______.
A factor that causes overhead costs is called a cost driver. A cost driver is the direct cause of a cost and its effect is on the total cost incurred. A cost driver triggers a change in the cost of an activity.
The concept is most commonly used to assign overhead costs to the number of produced units. It can also be used in activity-based costing analysis to determine the causes of overhead, which can be used to minimize overhead costs. A large number of cost drivers may be used within an activity-based costing system. If a business is only concerned with following the minimum accounting requirements to allocate overhead to produced goods, then just a single cost driver should be used.
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How do exports and imports help the economy of a country?
A country's import and export activities can affect GDP, exchange rates, inflation and interest rate levels. Rising imports and widening trade deficits can adversely affect a country's exchange rate.
In today's global economy, consumers are used to seeing products from around the world in their local grocery stores and retail stores. These foreign products, or imports, give consumers more choices. And because they are usually cheaper to produce than their domestically-made counterparts, imports help consumers manage tight budgets. A weak currency stimulates exports and makes imports more expensive. Conversely, a strong domestic currency discourages exports and cheapens imports.
Higher inflation can also affect exports by directly impacting input costs such as materials and labor.
If imports are too high relative to exports, the products shipped from that country to foreign destinations can distort the country's trade balance and devalue its currency. As the value of a currency is one of the most important determinants of a country's economic output and Gross Domestic Product (GDP), a devaluation of a country's currency can have a significant impact on the daily lives of its citizens. there is. Maintaining a proper balance between imports and exports is important for a country.
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What is the best account for long term savings?
For example, a fixed rate account often offers higher interest rates for long-term savings.
An easy access account will allow you to access your money without incurring any fees if you're saving for a vacation or a new kitchen. Compound interest can be obtained through long-term savings accounts, which are often suitable for goals that are many months or years away. The longer you can set money aside and let the interest build, the more it will grow.
While short-term goals are within a five-year time frame, long-term goals are established at least five years in the future. The greatest options for short-term goals include certificate of deposit (CD), money market, and regular savings accounts.
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What is the seed Colour ratio in F2 generation of dihybrid cross?
Four distinct seed combinations were produced as a result for the F2 generation. They had the following phenotypic ratio: 9:3:3:1 wrinkled-yellow, round-yellow, wrinkled-green, and round-green seeds.
The mature, fertilized ovule that contains an embryonic plant, stored material, and one or more protective coats is referred to as a "seed." A seed is an adult ovule with an embryo, a little immature plant, and food reserves enclosed in a seed coat for protection. The three primary parts of the majority of seeds are the embryo, endosperm, and seed coat. The embryo is like a little plant with a root, stem, and one or more leaves. The endosperm, or edible portion of the seed, is often a mixture of starch, oil, and protein. The first sport to use it for event placement and rankings was tennis.
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Does a house have low liquidity?
Compared to other asset classes, real estate has a very low level of liquidity. This is due to the fact that property cannot be rapidly transformed into cash because it takes time to sell.
Even if your property attracts attention right away, it could take some time to complete the transaction.
The word "liquidity" frequently appears while discussing investing. Generally speaking, this phrase refers to how quickly, in an emergency, your assets may be converted into cash. More liquid assets can be sold or converted into cash without significantly changing their market value. Cash is regarded as the most liquid asset because of this. Art, gold, platinum, antiques, equities, bonds, and diamonds are more examples of assets with high liquidity.
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What are your thoughts/perceptions as it relates to the Catharsis content delivery (was it a good way to present the information, why/why not)?
2) Will you reevaluate or change your current dating behaviors as a result of completing the 'U Got This' learning modules (why/why not)?
3) Compare and contrast your attitudes/perceptions and knowledge of sexual assault and gender violence before and after completing the 'U Got This' learning module.
According to psychoanalytic theory, catharsis is the process by which traumatic event-related emotions manifest.
What is the catharsis theory?The process by which traumatic event-related emotions appear, according to psychoanalytic theory, is called catharsis. The word "catharsis," which is derived from the Greek for purging or cleansing, is used to describe letting go of unfavorable emotions, attitudes, or behaviors triggered by trauma that have not yet been adequately addressed.
Is catharsis a good thing?Catharsis allows you to let your anger out as strongly as you want while maintaining your mental health. But according to the scientific community, it frequently justifies overreaction and is detrimental to our psychological well-being.
Would you evaluate or modify your current dating behaviors once you've completed the "U Got This" learning courses? Whether or notYes, after completing the "U Got This" learning classes, you should reconsider or change your current dating practices.
The Catharsis program U Got This! is an online tool for se-xual assault prevention and awareness that provides crucial information on: consent.
spectator supportmistreatment of womenDating and domestic abusestalkingand many moreCompare and contrast your prior and post-'U Got This' learning module attitudes, views, and understanding on sexual assault and gender violence.The organization behind Se-x Signals, Catharsis Productions, has produced the online prevention program U Got This! It helps participants evaluate unregulated attitudes and language that contribute to a cultural tolerance of se-xual abuse, domestic violence, and stalking through humor, animation, music, and Interactive Conversation software. The program uses text, photos, and cartoons to illustrate important ideas and data while using a male voice as the narration.
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belief british should have permission from colonists to pass taxes
Violence erupted in the American colonies as a response to the Act, with colonists protesting that they should not be had to pay a tax to which they had not consented through representation in Parliament, in violation of the British constitution.
Instead, the British government contended that the colonies were "virtually represented," meaning that they were afforded the same level of representation in Parliament as the thousands of British subjects without the vote or cities without representation in Parliament like Birmingham and Manchester. It said that legislation passed by the Commons was binding on all British subjects worldwide.
The colonists responded that they had representation in the form of colonial assemblies, which were democratically elected and had been responsible for passing laws and levying taxes since the colonies' inception.
To the colonists, these gatherings served as a substitute for Parliament; they were represented there and paid taxes to the body. It was not acceptable in their eyes to pay what they saw as yet another arbitrary price.
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A competitive price-searcher market is characterized by firms…
Firms in competitive price-searcher markets with low entry barriers face a downward sloping demand curve.
What would you say is a market?A market is defined as the total number of purchasers and sellers in the region or area under examination. The region can represent the entire planet, as well as certain states, provinces, or cities. Items traded are valued, costed, and priced in accordance with market forces of supply and demand.
How does the term "market" in economics?Any framework that enables buyers and sellers to exchange any kind of commodities, services, or information is referred to as a market in mainstream economics. A transaction is when products or services are exchanged, whether or not payment is involved.
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If a business associate delegates elements of the hospital’s workload to another entity, what would that entity be considered?
A "business associate" is a person or organisation that performs specific tasks or activities on behalf of or offers services to a covered entity that entail the use or disclosure of protected health information.
Which entities are considered a business associate?A person or organisation that serves a covered entity or carries out specific tasks or operations that require the use or disclosure of protected health information. No business associate is an employee of the covered entity.Business Associates include the contractor, as well as any of its officials, staff, agents, or subcontractors. The or Contractor or Contractor Parties are referred to as business associates.Any person or organisation that offers medical treatment, payment, or activities is a covered entity. Included on the list of covered entities are medical facilities such as clinics, dental offices, hospitals, nursing homes, pharmacies, and psychologists.Basic BAA requirements include the following clauses: Choose which PHI the Business Associate will have access to. Demand that the Business Associate secure PHI with suitable measures.To learn more about associate refer to:
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What is nonpoint source pollution and why is this kind of pollution hard to monitor and control?
Nonpoint source pollution is tough to govern because it comes from many different resources and places. Most nonpoint supply pollution occurs due to runoff. Whilst rain or melted snow moves over and through the ground, the water absorbs and assimilates any pollution it comes into touch with.
Nonpoint source pollutants take place when runoff from rain and snowmelt contains pollution into waterways such as rivers, streams, lakes, wetlands, and even groundwater.
Restrict the use of insecticides and fertilizer and use them at appropriate instances of the 12 months in endorsed amounts. Introduce herbal predators to your lawn, and use pest-resistant vegetation. Put off eggs, larvae, cocoons, and adults from flora with the aid of a hand.
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What are the disadvantages of economic progress?
The impact of inflation is the main drawback of economic expansion. Aggregate demand will rise as the economy expands. There will be an excess of demand but a lack of supply in the economy if overall demand rises more quickly than overall supply does.
The social science of economics deals with the creation, exchange, and consumption of products and services. Economics is the study of how economies work as well as the behavior and interactions of economic actors. The study of microeconomics focuses on what are thought to be the fundamental components of the economy, such as the interactions that result from market and agent activity. Individual agents can represent a variety of clients, including homes, companies, buyers, and sellers. The study of the economy as a coexisting system of production, consumption, saving, and investment is known as macroeconomics. Additionally, it looks at the elements that have an impact on this system, including the use of labor, capital, and natural resources, currency inflation, economic expansion, and public policies that have an impact on these elements.
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What are 3 items that are not taxable?
Child Support Payments , Gifts and Inheritances and Life Insurance Proceeds are 3 items that are not taxable.
1. Child Support Payments: Generally speaking, child support payments are not taxable to the recipient and they are not deductible to the payer.
2. Gifts and Inheritances: Most gifts and inheritances are not taxable, although larger gifts may be subject to gift taxes.
3. Life Insurance Proceeds: Generally speaking, life insurance proceeds are not taxable. This is because life insurance premiums are paid with after-tax money.
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After 9 years in an account with a 3. 9% annual interest rate compounded continuously, an investment is worth a total of $17,757. 16. What is the value of the principal investment? round the answer to the nearest penny.
·The value of the principal investment is $12,500.75
We can use the formula for continuously compounded interest to find the value of the principal investment. The formula is:
A = [tex]Pe^{(rt)}[/tex]
where A is the accrued amount (final amount), P is the principal, r is the annual interest rate, and t is the number of years the investment is held. In this case, we know that:
A = $17,757
r = 0.039 (3.9% expressed as a decimal)
t = 9 years
So we can plug these values into the formula and solve for P:
$17,757 = [tex]Pe^{(0.039)(9)}[/tex]
P = $17,757 / [tex]e^{(0.039)(9)}[/tex]
P = $12,500.75
So the principal investment is $12,500.75
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Elizabeth is the beneficiary of a life insurance policy. She is receiving the death benefit in payments of $10,000 per month until the principal and interest has been paid out. Which option was chosen?
A life insurance policy is a contractual with a liability insurance bearer and an underwriter or assurer in which the underwriter agrees to pay a sum of money to a designated beneficiary in the event of death.
Depending on the contract, other situations such as terminal sickness or severe illness may potentially trigger payment. The policyholder normally pays a premium, which can be either monthly or lump sum. Other costs, such as funeral expenses, may be paid by the benefits. Life plans are legal contracts, and the terms of each contract specify the restrictions of the insured occurrences. Contractual exclusions typically restrict the insurer's obligation; classic examples include claims connected to war, riot, and civil unrest. Difficulties might emerge when an event is not clearly characterized, for as when someone insured deliberately took a risk by consenting to an experimental medical treatment or taking medicine that resulted in insecurity or death..
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Maya worked 41 hours this week at a local hospital. She makes $12. 00 per hour. Anytime over 40 hours is paid at time and half or 1. 5. How much may earn for her 41 hours of work this week.
Solving the expression (40 ×12) +1.5(12)(1) we got that maya's total earning is $498.
Define hospital?A hospital is a facility for medical care that offers patient care using specialized medical staff, equipment, and scientific staff.A facility that is designed, staffed, and equipped to diagnose diseases, treat patients using both medical and surgical means, and provide accommodation for patients while receiving treatment.The organizational structure of hospitals is typically hierarchical and divided. This organizational structure indicates that different staff levels—from high-level roles to lower-level positions—are in charge of other individuals within their respective divisions.In order to keep patients safe when they leave the hospital, a discharge statement is essential.Pregnant, ill, or injured patients can get a variety of medical care and treatments in a hospital.To learn more about hospital refer to:
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How successful was Roosevelt in persuading his listeners to agree?
When Franklin D. Roosevelt gave his famous "Four Freedoms" speech in 1941, he was able to effectively persuade his listeners to believe in his cause.
He outlined the four freedoms – freedom of speech and expression, freedom of worship, freedom from want, and freedom from fear – and made a compelling argument for why these were essential rights for all people.
He then provided concrete examples of how the U.S. government could work to protect and ensure these freedoms.
Through his skillful oration and passionate delivery, Roosevelt was able to convince his audience of the importance of the four freedoms and the need to fight for them.
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What does FEDERAL DEPOSIT INSURANCE CORPORATION mean?
Federal Deposit Insurance Corporation is a agency whose responsibility is to provide insurance to the depositors, through which financial safety of various institutions can be ensured.
Federal Deposit Insurance Corporation is set up in United States, in which the main aim is to provide consumer safety by providing them with insurances to the depositors, who have deposited their income in the bank and if in any way, the bank fails to provide the money back, then FDIC holds the responsibility of providing the money back. Its funds are raised with the help of banks and saving associations. However stock investment and bond investment are not protected by FDIC. According to the recent figures, FDIC claims to provide insurance for up to $250,000 to all depositors at an average cost.
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A company achieves low-cost leadership when it becomes the industry's lowest-cost provider rather than just being one of perhaps several competitors with comparatively low cost
Instead of just being one of numerous competitors with reasonably low costs, a company achieves low-cost leadership when it becomes the sector's lowest-cost provider.
What is a low-cost competitive leadership strategy?Due to lower production costs, low-cost strategies allow businesses to provide their goods and services at a lower cost than those of their rivals, giving them a competitive edge over their rivals.
What does it mean to be the least expensive supplier in a given sector?To attract clients to the market, a low-cost provider tries to provide its goods at the lowest possible price while yet turning a profit. Due to the fact that these businesses want to appeal to a large market, this is the wide interpretation of the low-cost strategy.
How can low-cost leadership be achieved?Increasing the scope of production
putting modern technology to use.
obtaining raw materials
enhancing performance.
the restriction of goods and services.
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A company's resources and capabilities represent:
A company's resources and capabilities represent: the firm's competitive assets, which are considered determinants of its competitiveness and ability to succeed in the marketplace.
What does a corporation mean?A group of people can come together to legally form a corporation to do business and run a commercial or industrial venture. Depending on its jurisdiction's corporate legislation, a corporation may be set up in a variety of ways for tax and financial liability reasons.
Can you call a business a person?Many of the same legal rights and obligations that apply to individuals also apply to businesses. They have legal authority to make agreements, lend and borrow money, file lawsuits, hire staff, possess property, and pay taxes. A company may be referred to as a "legal person" by some.
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Elsie sold her car to a Carlson who responded to her online ad. Carlson paid Elsie with a cashier's check. Two days later, Elsie went to the store to cash the check. She was shocked when the bank teller said that the cashier check was fake.
Elsie is a victim of counterfeit cashier's checks. Before finalizing the sale, she should think about bringing a legal lawsuit against Carlson and verify the validity of the check.
What happens if a fraud check is checked?When a check is discovered to be fraudulent, your bank account will often be debited for the amount. Even worse, the bank might charge you extra money to process a bogus check. Any money i sent to the con artist will be lost.
The severity of check frauds.Check fraud misdemeanor offenses often carry criminal fines and up to a year of prison. Depending on the severity of the act and the applicable state legislation, felony charges can carry fines of thousands of dollars and jail terms of up to several years.
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How Long was Huey jailed?
Huey P. Newton was jailed for six months for misappropriating public funds.
Who Is Huey P. Newton?Huey P. Newton is a political activist and co-founder of the Black Panther Party. The Black Panther Party was created as a response to the racist and brutal police behavior towards black people in America. Huey was sentenced to jail for six months for misappropriating public funds for the Oakland school which the Black Panther Party funded. On August 22 1989, Huey Newton was killed after being shot by Tyrone Robinson which was a drug dealer and one of the members of the Black Guerilla Party.
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Andy the annuitant dies before the annuity start date. Which of the following is a TRUE statement?
a. principal returned is taxable
b. benefits are still payable tax-free to the beneficiary
c. company retains entire cash value
d. premiums paid plus interest earned is returned to the beneficiary
Option D is correct. The recipient receives the premiums paid plus any interest collected if the annuitant passes away before the annuity begins.
What happens if the annuitant dies before the annuity start date?If the first owner or the final annuitant dies prior to the annuity date, a death benefit equal to the total of the purchase payments will be paid to the beneficiary. payments of guaranteed income for one life (or two lives for Joint Life option).
Are proceeds of life insurance received by the heirs of the insured taxable or exempt?The life insurance proceeds you receive as the insured person's beneficiary upon his or her demise are generally not taxable and do not need to be reported. You must still declare any interest you receive because it is taxable.
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Decribe how you learn and adjut when an experience doe not turn out a expected. Decribe a ituation, your action and the outcome
When an experience does not turn out as expected, we try to reflect on why it didn’t go as planned.
We take the time to analyze what we could have done differently, and how we can adjust our approach to get a better outcome next time. For
example, I recently wanted to make a recipe, but I didn’t have all the ingredients on hand. Instead of giving up, I used what I had and experimented with different combinations and flavors. In the end, the dish turned out completely different than the original recipe, but it was delicious and I learned a lot from the experience.
I came away from it feeling more confident in my cooking abilities and more aware of how to adjust my approach for the future.
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Are interest rates higher when the economy is good?
Answer:
Central banks often change their target interest rates in response to economic activity: raising rates when the economy is overly strong and lowering rates when the economy is sluggish.
Is driving to work an expense?
Yes, driving to work is an expense
Driving to work can be considered an expense as it involves costs such as gas, vehicle maintenance, and insurance. These costs can add up over time and can be a significant expense for some people. Additionally, If you use your car for work, you may be able to claim a tax deduction on your car expenses as well.
Involving your vehicle for other business related designs is insightful. Here is a rundown of probably the most widely recognized business related travel expenses that you can guarantee or get.
1. Cost of remaining in an inn, lodging, or comparable kind of spot
2. Any dinner charges, like food and cold beverages
3. Any charges that are inadvertent to your movement, for however long it is for the time being
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How to know if you are eligible for work-study UC Berkeley?
To be accepted for work-study, undergraduate students must submit an application through the FAFSA or the CA Dream Act. If a student is found to have a financial need, work-study may be an option for them. Work-study is given to students based on need.
What do you mean by work study?
In order to evaluate people's work and identify the variables that affect efficiency, two groups of techniques—method study and work measurement—are combined to create work study.
The goal of work study is often to boost output using already available resources with little to no additional capital investment.
Why is it referred to as work-study?
It may seem obvious to define "work-study": It's a program created to aid students in finding employment. These part-time jobs are a valuable source of cash for students, many of whom struggle to pay for basic requirements.
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