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______________________ is a basic method for calculating the interest owed on a loan that adjusts for declining balances and the time remaining on the loan.
Instincts
Innate, typically fixed patterns of behavior in animals in response to certain stimuli.
Emotions
Affective states that are experienced as a response to internal or external events and are associated with physiological, behavioral, and cognitive changes.
Primary Drives
Basic physiological needs such as hunger, thirst, and sleep, which motivate behavior to ensure survival.
Stimuli
External factors or events that elicit a physiological or psychological response in an organism.
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