The "growth factor" is the number that has an exponent. Subtracting 1 from that gives the growth rate. The growth rate can be expressed as a percentage by multiplying it by 100%. If it is negative, it represents a rate of decay.
For example, the growth factor of 0.8 is a growth rate of 0.8-1 = -0.2 = -20%, a decay of 20%.
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Here, we'll list the growth factor and the rate of change: