4.) Becky Smith signed a note in the amount of $200,000 in favor of Country Home Loans, Inc., to obtain a loan to buy a house in Marrero, Louisiana. The note was endorsed "Pay to the order of without recourse Country Home Loans, Inc." Almost five years later Smith defaulted on the payments. The Federal National Mortgage Association (Fannie Mae) wanted to foreclose on the house and sell it to recover the balance due. Smith argued that the words "to

There are two ways to view intelligence or ability:
ability it is fixed or ingrained – in other words, we are born with a certain level of ability and we cannot change that. this is called a fixed mindset.
we can develop our ability through hard work and effort. this is called a growth mindset.
these two different beliefs lead to different behaviour, and also to different results. for example, students with a growth mindset were shown to increase their grades over time. those who believed that their intelligence was ingrained did not; in fact, their grades got worse.
having a growth mindset (the belief that you are in control of your own ability, and can learn and improve) is the key to success.
yes, hard work, effort, and persistence are all important, but not as important as having that underlying belief that you are in control of your own destiny.

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