(Answered) What is occams razor and how does it apply to the question

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What is occam's razor and how does it apply to the question whether human brains are specialized for language?

Shouldn't employees create a diversified retirement portfolio? If so, should such a retirement portfolio consist of such investments as no-load mutual funds and exchange traded funds? At times, international mutual funds can help to reduce a retirement portfolio's standard deviation, a measure of risk.

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