Some people believe that the most important factor in a person's success is their education, while others argue that hard work and determination are more crucial. Which do you believe is more important for achieving success and why? Provide specific reasons and examples to support your opinion.
Note: This question has been adapted from its original format to accommodate a reading-based version. In the official TOEFL exam, speaking and listening sections require verbal responses and audio prompts, which are not represented here. Please note that this adaptation may not fully reflect the nature or difficulty of the official exam. The audio feature for these sections will be available soon.