The CDFA will also be able to point out that provisions for health insurance, life insurance, and cost of living increases must be factored into any proposal.
From the late 15th-century Dutch merchants and itinerant fleets also factored.
The effects of weather and battlefield obscurants should be factored.
By direct comparison, online MBAs will usually cost less than a traditional brick-and-mortar degree because cost-of-living increases are not factored into online degrees.
Although student responses don't exclusively determine the "best" colleges' rankings, they are heavily factored into final results.