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The Fact
You can make yourself smarter but only if you believe you can. A study carried out at Michigan State University demonstrated that students with the belief that IQ doesn’t change made more mistakes than the students that believed that IQ levels change, and those students were more likely to fix a mistake.
How to understand the expression - Credit for free! Well, we’re just at the bank, we give you money, but you don’t return them to us in general!