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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provide a list of five of the most common causes of academic failure.
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1. poor time management
2. poor study habits
3. lack of organization
4. inability to focus
5. procrastination
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