His enrollment papers and report cards are in his cumulative
folder. Exposure to secondhand smoke has a cumulative effect on the
lungs.
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A kid
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Cumulative is the correct spelling.
It is an adjective, and means: "increasing or increased in quantity, degree, or force by successive additions: the cumulative effect of two years of drought."
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The falling object
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A cumulative effect is when something increases in intensity or significance as occurrences accumulate over time. In the context of a cumulative effect of a drug, for example, it refers to the increased impact of the drug on the body as each dose is taken.