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At Stanford University, Louis Terman changed Binet's test for children in several ways. Which of the following is not one of the changes Terman made?
Risky Real Estate Loans
Loans given for real estate purchases that carry a higher risk of default, often due to the borrower's credit status or the nature of the property.
Taxpayers
Individuals or entities that are required to pay taxes to a government body, typically based on income, property value, or consumption.
Commercial Banks
Financial institutions that offer a wide range of services such as accepting deposits, providing loans, and other banking services to the public.
Welfare Banks
Financial institutions or programs that aim to support the economically disadvantaged segments of society, though it's not a widely used term and may refer to various initiatives in different contexts.
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