BUMPER SNIPPET
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I haven't heard anything, hence my conclusion that it has to be a tinnitus.
Tinnitus annoyance is more strongly associated with psychological symptoms than acoustic characteristics. Other psychological problems such as depression, anxiety, sleep disturbances and concentration difficulties are common in those with worse tinnitus.
That's a very subjective point of view. What would be more interesting than a subjectvie point of view is a subjective point of hearing.