The girl, who is tall, likes to play basketball.

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Identifying = necessary information
People who are unwilling to take risks are not capable of achieving success --> a certain group of people cannot achieve success
People are not capable of achieving success --> everybody (all humans) cannot be successful

Relative Pronouns/Adverbs
Who = people (subject)
Whom = people (object)
Whose = people (possession)
Which = things
That = people and things
Where = places
When = time