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This technique encourages accountable borrowing and economic steadiness, underscoring the necessity of risk management in personal finance.????? ????? ???? ????? ?????? ??? ?????? ?????? ? ???? ????? ????? ???? ????? ??? ?????? ??? ?????? ???? ????????? ?????? ? ?????? ?????? ?? ??? ????? ???? ????? ???? ??? ????? ?????? ???? ?? ????? ????? ?? ????

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