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Spaced repetition erodes resistance. I am not certain Sir Isaac Newton was thinking of capital accumulation plan (CAP) members when he came up with his laws of motion in 1687, but they certainly are apt. Briefly, and with apologies to any physicists, the first law, also known as The Law of Inertia, states, “A physical […]

  • April 1, 2008 September 13, 2019
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