as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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explain what it means to "effect change".
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to effect change means to bring about a transformation or modification, either in an individual or in a group or society as a whole. it typically involves making small changes that lead to larger, long-term effects.
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