I’m not sure how this will [effect] morale, but I know that morals are important.
I’m not sure how this will [affect] morale, but I know that morals are important.
Note that affect is usually a verb meaning “to influence” and that effect is usually a noun meaning “a result” or “something brought about by a cause.”
When effect is used as a verb, it means “to bring about,” as in “to effect change” or “to effect a transaction.”
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See Error Checklist for a compilation of 75 common writing errors.
For more exercises in identifying common errors,
take the M.B.A. exam and the Punctuation and Grammar Challenges.