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How did Grayson and Wilbur (2009) examine factors that affect migratory movement in newts?
Sub-Prime Borrowers
Individuals or entities with low credit ratings, indicating a higher risk of default to lenders.
Default Rates
The percentage of borrowers who fail to repay their loans or meet their debt obligations on time, often used as a measure of credit risk.
Adjustable-Rate Mortgages
Home loans with interest rates that can change over time based on market conditions.
Sub-Prime Borrowers
Individuals who have poor credit histories and are considered high risk for defaulting on loan payments, often facing higher interest rates.
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