Yes that is correct, self-efficacy is being applied
I don't exactly know how to put this in scientific terms, but it is a wet cough which when completed, has brought up phlegm enough to fill a handkerchief. It is the last stage of a common cold before it goes away.
<u>This question is off-topic, but I'm answering it assuming you meant to categorize as maths.</u>
Answer:
or 
Explanation:
<u>Factoring</u>
It consists of converting an algebraic expression, usually as a polynomial into two or more factored terms.
We must find the greatest possible common factor and use it to modify the original expression.
The given expression is

It's evident that both terms have a numeric common factor of -9. Let's factor by -9. We must divide each term by -9 to get:

We can even factor further by writing

Answer:
The correct answer is - flexible premium.
Explanation:
Flexible premium is the premium that can fluctuate at the policy owner's choice or financial status which means it can decrease, increased or even leave at any premium due date however the interest rate must be the same.
A policy in which the insured can modify the amount and schedule of premium payments but guaranteed minimum interest rate.
Thus, the correct answer is - flexible premium.