It seems to me as if you view terminal goals as universal, not mind-specific. Is this correct, or have I misunderstood?

The point, as I understand it, that some humans seem to have happiness as a terminal goal. If you truly do not share this goal, then there is nothing left to explain. Value is in the mind, not inherent in the object it is evaluating. If one person values a thing for its own sake but another does not, this is a fact about their minds, not a disagreement about the properties of the thing.

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