An annual percentage rate, or APR, represents how much interest is paid over a year.
interest is paid over many years.
principal is paid over a year
principal is paid over many years.

The idea that desirable traits can be bred into human beings and undesirable ones can be bred out is known as:

You think all professors are uncoordinated, but then you see your social psychology professor make a diving catch down the left-field line at an intramural softball game against the arts department team. you also notice that your professor hits lead-off for the team and is able to score from second base on a ground-out. you maintain your original stereotype of professors as uncoordinated by deciding that this one individual is an exception to the rule because he is a “young professor.” this is an example of

What refers to the existence of more than one level of government in the country