From Merriam-Webster's 11th:
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Effect and affect are often confused because of their similar spelling and pronunciation. The verb affect usually has to do with pretense *she affected a cheery disposition despite feeling down*. The more common affect denotes having an effect or influence *the weather affected everyone's mood*. The verb effect goes beyond mere influence; it refers to actual achievement of a final result *the new administration hopes to effect a peace settlement*. The uncommon noun affect, which has a meaning relating to psychology, is also sometimes mistakenly used for the very common effect. In ordinary use, the noun you will want is effect *waiting for the new law to take effect* *the weather had an effect on everyone's mood*.
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What is Grammarly saying that has you confused?