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If C is creep coefficient, f is original prestress in concrete, m is modular ratio, E is Young's modulus of steel and e is shrinkage strain, the combined effect of creep and shrinkage is:

(1 - C)mf - eE
(C - 1)mf + eE
(C - 1)mf - eE
(1 - C)mf + eE

Correct Answer: (C - 1)mf + eE

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