"You need to factor in that it's not a rational process," the senior EU official said... (Reuters.)
Is that a pronoun (the object of the verb "factor in") in the the clause You need to factor in that it's not a rational process?
Is it's not a rational process both a content and appositional clause inYou need to factor in that [that] it's not a rational process?
Is "factor in" a phrasal or prepositional verb?
"that it's not a rational process" is a that -clause that forms the object of the phrasal verb "factor in". The meaning is like "You need to factor in the fact that it's not a rational process".
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"that it's not a rational process" is a that-clause that forms the object of the phrasal verb "factor in". The meaning is like "You need to factor in the fact that it's not a rational process".