However, it is easy to fixate on such factors and completely discount factors which we personally control.

不过，人们很容易过分看中这些因素，却完全低估了他们个人控制中的因素。

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To use the table, simply find the discount factors by referring to each year of the cash flows and the appropriate interest rate.

查表即根据现金流量的年份和适当的利率确定折现系数。

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So we either blame the shortfall in performance on factors beyond our control, like defective customers, or we discount the source of the feedback.

因此我们要么把工作中的缺陷归咎于超出控制范围的因素，要么贬低那些给我们负面反馈的来源。

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Three factors determine the health of any pension fund: asset returns, company contributions and the discount rate, which is used to calculate the present value of pension liabilities and is tied to interest rates.

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