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20-115 Calculation of the "add-on" to the risk-based capital ratio to measure operational risk
Abstinence
The act of refraining from engaging in certain behaviors or indulgences, such as sexual activity or alcohol consumption, often for health, moral, or religious reasons.
Expectations
Beliefs or anticipations about the way events, scenarios, or behaviors are supposed to unfold in the future.
Controlled Drinking
A harm reduction approach that helps individuals manage their alcohol intake rather than abstaining entirely.
Non-abstinence Treatment
Approaches to treating substance use disorders that do not require complete abstinence but rather emphasize harm reduction and management.
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