predisposing risk factors: genetics, temperament, demographic characteristics, socio-cultural characteristics, precipitating risk factors: car accident leading to injury, relationship breakdown, loosing your job, catastrophic event (e.g bushfire, flood), perpetuating risk factors: financial stresses, work stress (or lack of work), unsupportive family, continuing physical or mental illness, protective factors: adequate sleep, proper nutrition, emotional support, healthy relationships,

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